vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX 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 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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was charged off XX/XX/XXXX, Since then the PAYMENT HISTORY has been updated with XXXX  each month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information manipulates the statue of limitations and in addition to that. Your update of payment history cost me more than a XXXX point decrease in my credit score in XX/XX/XXXX. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. And I would also demand my XXXX points back that you cost me due to your willful negligence. I have attached screenshots of your lack of investigation XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.

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 2024-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have over the course of the past 16 years disputed the three loans they state where given to this institution under my name. I asked them that they provide some kind of documentation with my signature on it where I indeed signed to attend this institution. 

I was sent a document containing my actual signature. However, it was to an actual institution I in fact was at the time and did attend. I called and explained this to them. And stated this institution ( XXXX XXXX XXXX ) I never disputed attending. It was in fact another institution ( XXXX  XXXX XXXX ) that I disputed attending. They then provided me with an enrollment document as was the same kind they provided me with from the school I actually did attend. Although, there was NO handwritten signature on the document. It was in fact typed in. 

So, I then requested an investigation for this be done. Finally, a few months ago they agreed. They asked me to provide multiple documents. Which I provided what they had requested of me. After approximately 30 or so days, they responded that they have obtained an actual document with my signature on it proving I did attend that institution. I demanded to see it. They said they could not show it to me. 

I informed them that anything that they have in their procession that contains my signature, I have a right to have a copy of or see it. They told me they would not be supplying me with the document. I reminded them they had no problem with providing me the signed document from the institution I actually did attend which was handwritten and signed by me. Although, they can't by law provide me the same document they say they received from the other school! Why? 

They then said I have to contact the university itself to request an investigation through them. This is not right. They are the ones that gave the loan freely. Now prove to me what document you state you have in your possession that gave you the legal right to provide these loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
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 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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
VALIDATION AND CEASE AND DECEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA Account # : XXXX To Whom It May Concern I received a debt collection letter from you. Are you sure you have the right person? 
I demand to receive a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. 
I dispute this. 
DO NOT PASS THIS ON TO ANOTHER COLLECTOR IF YOU DO I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute owing this debt. Thank you for your immediate cooperation. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by XXXX XXXX XXXX for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information. 

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. XXXX XXXX XXXX has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : XXXX XXXX XXXX has associated two incorrect addresses with my account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, XXXX, CA XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, XXXX XXXX XXXX has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801. 

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. XXXX XXXX XXXX has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, and XXXX XXXX XXXX, XXXX, CA XXXX ). 

Notification to all major credit reporting agencies ( XXXX, XXXX, TransUnion ) to remove this incorrect information from my credit reports. 

Written confirmation from XXXX XXXX XXXX that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Subject : Complaint Regarding Violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 by XXXX XXXX XXXX for Inaccurate Personal Information Reporting To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for violations of 15 U.S.C. 6801 and 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, specifically regarding the inaccurate reporting of my personal information. 

Violations of 15 U.S.C. 6801 Under 15 U.S.C. 6801 ( b ), financial institutions are required to protect the confidentiality, security, and integrity of consumer information. XXXX XXXX XXXX has failed to meet these obligations by reporting inaccurate personal information on my account, including : Incorrect Name Variations : My name has been reported incorrectly in various instances. 
Inaccurate Addresses : XXXX XXXX XXXX has associated two incorrect addresses with my account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX, XXXX, CA XXXX I have never lived at, used, or been connected with these addresses. Despite my attempts to resolve this issue, XXXX XXXX XXXX has continued to report inaccurate personal data, violating the security and accuracy requirements of 15 U.S.C. 6801. 

Violations of 15 U.S.C. 6802 Under 15 U.S.C. 6802 ( a ), financial institutions must provide clear and conspicuous disclosures before sharing consumer information with third parties. XXXX XXXX XXXX has shared incorrect information with third-party credit reporting agencies, without ensuring the accuracy of the data or obtaining proper consent, thus violating 15 U.S.C. 6802. 

These violations have caused significant harm by inaccurately reflecting my personal data in credit reports and negatively affecting my creditworthiness. 

Requested Resolution I request the following actions to resolve this issue : Immediate removal of all incorrect personal information, including the inaccurate name variations and addresses ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, and XXXX XXXX XXXX, XXXX, CA XXXX ). 

Notification to all major credit reporting agencies ( Experian, XXXX, XXXX ) to remove this incorrect information from my credit reports. 

Written confirmation from XXXX XXXX XXXX that these corrections have been made, along with an explanation of how they plan to ensure this does not happen in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
someone attempted to open accounts without permission, resulting in inquiries needing immediate removal. no authorizaiont given.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation