vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: PA

Complaint narrative:
They have failed to resolve my concerns. They have failed to communicate with the creditor involved. The credit consulting agencies have failed to provide coherent and consistent reports. All their details were mismatched to XXXX another, not just in XXXX criteria or rows but all other XXXX rows were incoherent, incorrect and misleading.

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 2023-11-20 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: CA

Complaint narrative:
This address : XXXX XXXX XXXX XXXX XXXX XXXX TX Is NOT a valid or accurate address for me. I have contacted Experian numerous times about this violation, however they refuse to delete it. 

As a consumer, I have the right to accurate and fair reporting under the FCRA, and I request that you promptly investigate this matter and have Experian remove the inaccurate address from my credit report. 

Please be advised that the inclusion of inaccurate information on my credit report not only violates my rights as a consumer but also has the potential to negatively impact my creditworthiness. 

The other 2 credit reporting agencies are not reporting this address - by law all three should be reporting the same, accurate information. 

I have attached my license and a bank statement with my accurate address on it.

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 2023-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have/had a loan with Rushmore Management and they sold out/transferred the loan to Rushmore Servicing. I was sent an email stating XXXX XXXX was taking over the loan and my loan would be transferred in several days. Once the loan was was transferred, I could make a payment. I was told I would have 30 days to make the payment. I tried within 5 days, but their website was having issues. After a week, I was able to make the payment, well within the 30 days given.

I received my next statement from Rushmore Servicing stating there was a late fee and that my payment had gone from {$350.00} to {$570.00}. I called the toll free number only to reach a person I could not understand. I asked for a supervisor and got a person named XXXX XXXX 
I told her my payment was not late and that I had always paid {$350.00} and could not afford the new jacked up rate of {$570.00}. She stated she would look into it and call me back. I never heard back. I called again and spoke with XXXX, who apologized and said she should have called me back with an answer. I again told her that I could not pay the new rate of {$570.00} and this would have to be adjusted. Again, XXXX told me she understood and would look into the matter and get back to me. That was 2 weeks ago. 
You can not speak with anyone from the United States and they do not return their calls. 
I got a new statement from Rushmore Servicing stating my minimum payment was to be {$460.00}, which I can not pay that amount either. 
I feel this company is shaking me down, charging me fees it should not, and being underhanded with how they do business. 
I need for someone or a company or government agency to look into their practices and help me sort this abuse out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Onemain inquiry- no knowledge of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that Equifax has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that Equifax admitted I was affected by the data breach which has resulted in these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
( See attachments and supporting documents ) XXXX, Experian, XXXX shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing XXXX filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file

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 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have had an account with Venmo for over 2 years. I was using the funds I had available to use in my account. The funds were from a check I cashed from a donation from the vfw. I went to a few different stores the next 2 days where I never spent over {$150.00} and that was for groceries. Later that night I added my new debit card linked to the same bank I have used so I could transfer the remaining balance into my bank account. That is when I learned that my account was suspended. I submitted my ID as requested by Venmo and then reached out to customer service where they said they created a ticket and escalated my issue. It has now been 4 days and I have no resolution, no idea why my account was suspended and I dont have any money to my name. I am not able to work due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and rely on what little money we can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-11-20 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The c.r.a. are still reporting old addresses, old information usc 15 1681 i they not allowed to report old iinformation and they doing it from, landlord they should have been remove CFPB, just sued Transunion and they refuse to remove the old landlord information I just got turn down for a apartment, now I have no where to live beccause of these credit reprting agency.I have right to to privacy usc 15 1681 602 a, XXXX funding, ome, when you crge it off its now income, I want these remove from my credit report, I have the right for my credit report to look the way I want it to look USC 15 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these 3 company are reporting charge off I.R.S. said you can't report a inc

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
Fiserv aquired XXXX XXXX on XX/XX/XXXX. The Fiserv XXXX Form 10 -K did include the aquisition of Merchant XXXX and excluded the liabilities of XXXX XXXXXXXX. XXXX XXXX was liable to this case prior to aquisition. We discovered on XX/XX/XXXX the aquisition after XXXX XXXX obstucted. Fiserv is liable upon aquisition of XXXX XXXX. XX/XX/XXXX Fiserv declined disclosure based on false statements and hearsay from XXXX XXXX upon factual evidence, facts, and time line we disclosed. XXXX XXXX aquired our unique data on XX/XX/XXXX, our unique data was used to open a fraudulent bank account at XXXX XXXX XXXX to facilitate a fraudulent merchant account at XXXX. Fraudulent transactions went through both accounts. XXXX verified and confirmed identity theft at XXXX XXXX XXXX, XXXX verified and confirmed identity theft with XXXX XXXXXXXX on XX/XX/XXXX. XXXX closed both fraudulent accounts on XX/XX/XXXX. XXXX placed our data on the XXXX for XXXX XXXX identity theft on XX/XX/XXXX. The unique data came from XXXX XXXX and aquired on XX/XX/XXXX and used to facilitate both fraudulent accounts causing the XXXX. On XX/XX/XXXX XXXX XXXXXXXX claimed in a XXXX report to the New Hampshire attorney general XXXX XXXX became aware of a data breach and identity theft occured within. We were never notified from XXXX XXXX of the breach or identity theft, or the XXXX. XXXX XXXX claimed an ongoing investigation to locate victims in the XXXX. We discovered the XXXX on XX/XX/XXXX during and ongoing investigation at XXXX XXXX from a different source. Our businesses were frozen due to the Match. XXXX XXXXXXXX was notified of the Match on XX/XX/XXXX during their claimed ongoing investigation and began to obstuct by blaming XXXX XXXX as the source of the Match knowing XXXX placed the Match for Code 14 identity theft on XX/XX/XXXX. XXXX XXXX was obstructing this case to maintain the value of XXXX XXXX before the aquisition of Fiserv. Prior to the Fiserv aquisition of XXXX  XXXX, Fiserv aquired XXXX XXXX in XXXX, in which the prior owner of XXXX XXXX was found guilty of opening fraudulent merchant accounts to XXXX. While our businesses, data, credit, websites, products, and patents are frozen and destroyed due to the XXXX caused by XXXX XXXX. The Match is a weapon. Fiserv aquired liability to this case and has declined additional disclosure. XXXX XXXX XXXX admitted, disclosed, and now obstructs. XXXX admitted and disclosed supporting evidence. XXXX XXXX obstructed. This document is an update to the XXXX XXXX XXXX complaint. Fiserv has denied additional discloser. XX/XX/XXXX XXXX was requested to provide a resolution proposal with terms and condition to mediate and mitigate and has refused.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Dear Experian To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 AZ DES CHILD SUPPORT Account Number : 14939350 Delete this account.

2. 15 US-CODE 1692XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
identity theft is what happened and also i asked to lock my credit.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have numerous inquiries and addresses and an account that I do not recognize and do not belong to me. I contacted the 3 credit bureaus to remove them and they told me to do a Identity theft report and they would not remove them.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have numerous inquiries and addresses and an account that I do not recognize and do not belong to me. I contacted the 3 credit bureaus to remove them and they told me to do a Identity theft report and they would not remove them.

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