vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-25 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
much a hard time moving on to next day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: FL

Complaint narrative:
Upon checking my credit. I found that my name is still not the correct name on Equifax credit bureau. If you look at my identity theft report it has my correct name listed on the Federal Trade Commission Identity Theft Report. My correct name is XXXX XXXX not XXXX XXXX XXXX. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file a identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX  is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR FINEWISE/ OPPLOANS THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1618. 

Equifax is govern by 15 USC 1618. And they violated my rights numerous of times. I demanded the accounts listed below be removed because According to 15 USC 1618 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts # XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( XXXX, XXXX XXXX TransUnion ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information. 

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information

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 2022-10-25 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: CA

Complaint narrative:
Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX  XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CA

Complaint narrative:
Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX CARD XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.

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 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC.
State: OK

Complaint narrative:
Global Solutions Biz LLC. Has repeatedly threatened me through email, phone calls, and text messages to me personally, my wife, mother, and distant relatives. 

Over the last 2 years ; They have threatened to sue me for fraud and stated intent to push for me to be fined and serve time in federal prison. They have recently repeatedly threatened to freeze my bank accounts and send a quick track enforcement team out to show up unannounced to my house and place of business to take inventory of and liquidate my personal assets in order to repay a business Debt of a LLC.

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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Today XX/XX/22 I sent {$300.00} through what I thought to be Zelle. I contacted bank and they could not stop it or refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TN

Complaint narrative:
I have sent several letters as well as proof of my identity as XXXX XXXX XXXX to Experian in order to have fraudulent information blocked from my credit report with regard to an account by the name of XXXX XXXX XXXX - Account # XXXX. This account has been on my credit report for several years with relation to a fraudulent name of XXXX XXXX XXXX. Experian removed the fraudulent name from my credit report, but is refusing to remove the fraudulent account ( XXXX XXXX XXXX ) that it is associated with. I have requested that Experian conduct an investigation and provide me with the evidence obtained such as a contract with my wet signature on it verifying whether this account belongs to me. I have yet to be provided with any such evidence. Experian continues to say that the creditor has certified that this account belongs to me. 

I have followed all of the necessary protocol to have this information blogged from my credit report. I have provided all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency, my full name, social security number, all addresses within 2 years, date of birth, copy of my driver 's license, and my utility bill. I have provided this information several times with the last time being XX/XX/2022. Experian is violating my rights of having accurate information on my credit report. If the name associated with the XXXX account is not mine, the account is not mine either. Please enforce my rights under FCRA 605B - 15 U.S.C. 1681c-2. Experian has not conducted a proper investigation and they have not honored my rights under the FCRA. 

REMOVE the account ( XXXX XXXX XXXX - Account # XXXX ) immediately. XXXX nor Experian has been able to provide any documentation to verify that this information is accurate or that it belongs to me at all. Experian has not provided a description of what documentation they investigated to determine that the dispute should not result in a deletion as requested by my previous dispute/letters.

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 2022-10-25 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I pulled my credit report from all three bureaus on XX/XX/2022. I noticed a new collection report from Central Portfolio ControXXXX in the amount of {$250.00} on my credit file. I am unaware that there is a debt from XXXX XXXX XXXX XXXX, as my insurance covers the costs of all medical treatment. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to Central Portfolio Control. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received several emails ( on XX/XX/22 ) from Bank of America stating I am late with my payment. I physically went into our local Bank of America and let them know I do not have an account with Bank Of America. Now I have received a letter from a collection agency ( on XX/XX/22 ) stating that I owe {$15000.00} XXXX reached out to them and told them that was not me. I would not give them my social, but I explained that whoever is doing this has my address, email, and spelling of my name, fortunately, the middle initial is wrong. I reached out to Bank of America, who can only give me limited information while I filed the fraud case with them. 
Please help me resolve this.

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 2022-10-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient is a student loan debt, collecting agency which has sent me numerous postal and digital correspondence attempting to collect a debt. I responded on, XX/XX/2022, by simply asking for this company to provide three things : validation that this debt belongs to me, verification of this debt belonging to me, and for a copy of the original contract containing my signature and the signature of a Navient authorized representative. Since then Navient notified me, XX/XX/2022, that it had started a credit fraud investigation, untruthfully stating that it's per my request, on XX/XX/2022. I never requested this. Navient has sent via postal mail dated XX/XX/2022, a documented list of loan disbursements, interest accruals, and a promissory note. Neither of the aforementioned documents validate or verify that this debt is mine nor does a promissory note equate to a contract ; note, this was my postal response to them on XX/XX/2022. The promissory note contained the printed name XXXX XXXX XXXX, but no signature from either side. If this is a legitimately, legal business, there should never be an issue with providing, verification, validation, and the contract. Paying what I owe legally is desirous, but paying without legal validity is consumer abuse. As of today, I have received another digital correspondence from Navient dated XX/XX/2022, stating they have begun another credit investigation. I did not request this either. This " company '' is using its resources to degrade my credit and threaten my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: SC

Complaint narrative:
I have contacted both Experian and XXXX about this matter, however they have only responded with a templated letter stating they verified. But I requested they provide me details of how the claim to have verified and to whom they spoke with and the contact information. To date I never received this information. The accounts associated are 1. XXXX XXXX XXXX  XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX  Account Number : XXXX 5. XXXX  XXXX Account Number : XXXX 6. XXXX  Account Number : XXXX I do not know the details of these items which is why I requested the method of verification from the credit bureaus. 

My attorney guided me to filing this complaint. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-10-25 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: MI

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: VW Credit
State: VA

Complaint narrative:
I leased a XXXX VW XXXX in XXXX of XXXX for XXXX years. I clearly communicated that my intention would be to purchase the car at the end of the lease, and I was told that I will probably change my mind. I disagreed in passing, and we moved on to complete the lease paperwork. While signing the paperwork, I was verbally offered an excess wear and tear package that would repair up to {$7500.00} dollars worth of damage for {$800.00} that would be added to the lease. I accepted the package. 

The lease reaches maturity in XX/XX/XXXX and I recently had the car inspected at the end of the lease- fully expecting to have any repairs settled via the excess wear and tear package prior to the end date of the lease. There were a few dings for which the estimated total is less than {$700.00}. I called VW to utilize the package I purchased with the lease, but was told that since my intention is to purchase the car, I can not take advantage of the package they sold me for {$800.00}. My complaint is that this package was sold to me by a salesperson who was clearly informed of my intention to purchase the car, knowing I would not be able to use it when I went to purchase the car, and without explaining that it can't be used while the car is still under lease. This feels like a clear bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: MI

Complaint narrative:
Experian as currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX Michigan, which is false. I have attached a letter from this court verifying and stating they do not report individual XXXX case filing data to credit bureaus, nor do they update information directly to the credit bureaus. I also have a letter from XXXX XXXX indicating they have investigated the matter and removed this information from my file as well. Experian falsely stating this bankruptcy on my credit report and has yet to remove it from my credit report. I need this item deleted so that I may obtain credit to purchase a home for my family. This is the only item preventing me from doing so.

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