vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the MA BOARD OF HIGHER EDU ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I filed a complaint with the creditor that the information on my credit report is not being reported accurately and it was reported to me that it is correct however its not and i will prove that it is not and want the history of the late payments be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope the disputed account is updated. 
Please validate the listed account : CHILD SPRT XXXX Balance Owed : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On Saturday XX/XX/XXXX, it was brought to my attention that a fraudulent account had been added to my credit report. 

" XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) '' This 'collections ' account is not only fraudulent but is direct violation of several laws, in addition to the rights of a consumer through the fair credit act. 
1 ) This account has been removed several times from XXXX, and XXXX XXXX as fraudulent. 
2 ) It is showing this account has been paid or in good standing since XXXX, which is not true, because this account is Fraudulent, and just been added to the account. 
3 ) It is a 'collections ' account, but doesn't correspond with any account on my report, as my report shows, I have never missed a payment.

4 ) They are re-aging/changing dates on this Fraudulent report, from the original dates they tried to apply it to my report the last time, in hopes of having placed again on a different reporting agency.

5 ) It has chanced reporters for the fourth time, and each time I have provided proof that this account was fraudulent, it has been taken off my account, and then a few months later the account shows up again without any foundation to their claims.

6 ) This stems from the identity theft I experienced from XXXX. 
7 ) This account CAN NOT be legally verified as accurate, due to it be fraudulent, and me never owing this company, or any of the one 's before it. 


If this is not immediately removed, I will seek swift legal action in my local jurisdiction, as is my right, against this company, and any reporting agency that allows this account to remain on my credit file. 

This will be my only attempt to handle this issue outside court. 

I will not be made to continue re-prove the inaccuracy and fraudulence of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My complaint is with Procollect. They have falsely added late payments to my credit profile. In good faith, I paid off a debt with them around XXXX. The debit was for a leftover balance for pest control, not rent. The debt holder was XXXX XXXX. Even though the charges were false and I never signed for this debit. I paid to get it off my credit. So I could get an apartment. Pro Collect has violated my rights by adding false late payment history after the fact of I paid them. This has severely hurt my credit. Because of their false reporting, I have been denied a place to live. To say I have a late payment history with them is to say I had a payment plan or a planned scheduled payment date. There was never a plan or payment date in place. This is and was false information added to my report after the fact of paying my debit off. Please help me get these late payments taken off as quickly as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$770000.00}, XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$390000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$280000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$770000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX  Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX  XXXX Open Date XX/XX/ Balance : {$770000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/ Balance : {$390000.00}, XXXXXXXX XXXX XXXX  XXXX Open Date XXXX XXXX XXXX Balance : {$280000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
To Whom it May Concern, I am reporting two incidents of identity theft involving myself. On XX/XX/XXXX, I noticed a XXXX XXXX XXXX XXXX account attached to my XXXX credit report. I contacted XXXX XXXX XXXX  various times from XX/XX/XXXX - XX/XX/XXXX in attempt to dispute this fraudulent account. 

On XX/XX/XXXX, a closed XXXX XXXX account with five late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was added onto my XXXX credit report. 

Ive had a XXXX XXXX account for a long time and have always made monthly payments on time. The fraudulent XXXX XXXX had directly impacted my personal and professional life which has caused me a significant amount of stress and XXXX. The fraudulent XXXX XXXX account has XXXX  late payments with red late payment showing on my credit report. I have attached documents of my accurate XXXX XXXX account as well as on time monthly payments with green checked marks for reference. 

During XX/XX/XXXX - XX/XX/XXXX, I spoke with several differenXXXX XXXX XXXX XXXX representatives during this time frame. Each XXXX XXXX XXXX  representative I spoke with told me different solutions regarding my situation or hung up the phone on me. I throughly explained my situation and being victim of identity theft. For example, in XX/XX/XXXX, one representative assured me he would be taking the account off my XXXX credit report and that I would not be charged anything and no further actions would need to be taken on my part. Yet again, another representative promised to me that the account and debt would be taken off my credit report and no further steps on my part would be necessary. After several months and various attempts to resolve the situation, I escalated the situation to an higher up XXXX XXXX XXXX employee who could not help me either : Around XXXX, I noticed a new fraudulent error on my credit report. That fraudulent error being a {$910.00} XXXX XXXX XXXX balance in was sent to Credence Collections. On XX/XX/XXXX, I disputed this fraudulent debt from XXXX XXXX XXXX for the XXXX  time and XXXX finally removed the {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors from my credit report. However, in XX/XX/XXXX, a new {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors was added on my credit report again after XXXX removed it the first time on XX/XX/XXXX. On XX/XX/XXXX, I disputed this fraudulent account once again by contacting the XXXX disputes department. 

Due to this situation, my overall credit score has significantly decreased which has directly impacted my personal and professional life. This has been an ongoing traumatic situation for myself. I do not know what to do at this point to resolve this as this has been an ongoing issue since XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy. 
15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy.

15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation