vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: MS

Complaint narrative:
Experian has repeatedly violated my consumer rights and refused to remove this fraudulent account ( XXXX  # XXXX ). 

I have sent 2 different identity theft reports to Experian. 

I have sent a demand for validation of debt. 

I have spent countless hours on the phone with them including many of their supervisors. 

I have disputed this fraudulent account through Experian more times than I can remember. 

I have submitted several CFPB complaints. 

I have spent countless hours researching laws so that I can understand what I have to do to get this account off of my consumer credit report. 

Not ONCE has Experian shown proof of their supposed detailed investigation into this account. 

Experian has directly harmed my reputation, my finances, my mental health, and my emotional health. 

As of today XX/XX/2023 I have mailed ( via certified mail ) a notarized affidavit of truth ( copy is attached to this complaint ) stating facts about how Experian has violated my consumer rights time and time again. Attached to this affidavit is a file of exhibits which show clearly how I have been violated. 

Experian attempts to say that it is all the responsibility of the bank with which the fraudulent account is open. HOWEVER, it is EXPERIAN which is furnishing this information publicly and so it is the liability of Experian to show clearly how they have supposedly done a thorough investigation and validated this account as accurate. 

As shown in the attachments, Experian reports different dates associated with this account. They also report different opening dates and $ amounts than XXXX reports. Additionally, XXXX has already deemed this account as fraudulent and permanently deleted it. 

A charge off is considered as a taxable income which can not be reported on a consumer credit report. Experian reports this account as a charge off. 

In the attached Affidavit, you will see where Experian has violated my consumer rights a minimum of 27 times. 

This complaint will also be going to the XXXX, FTC, and attorney general. 

If Experian can not rebut every single fact stated in my affidavit, they must permanently delete this fraudulent account and send me a written statement affirming this permanent deletion. Furthermore, they must send me financial remedy as detailed in the attached Bill of Particulars. 

I am asking for help in correcting my report, but if I do not get it I will be pursuing legal action.

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 2023-06-13 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: NJ

Complaint narrative:
15 U.S. Code S 1681c-2 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NJ

Complaint narrative:
15 U.S. Code S 1681c-2 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-06-13 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: NJ

Complaint narrative:
15 U.S. Code S 1681c-2 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-06-13 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: TX

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. The letters are stated with items and issues. 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank : Closed the following credit card accounts without notice and one without using the card for any purchase. Care Credit - XXXX and other XXXX - XXXX. I want the closed accounts removed from all published credit reporting agencies.

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 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was notified that Upstart had sold my debt with them to XXXX. I was immediately confused, as I had paid a settlement on this debt in XX/XX/XXXX through XXXX XXXX. The settlement was made months prior to the sale of this debt, which had already been settled and resolved. I informed Upstart of this, though they took no steps to correct the problem despite my efforts. Upstart sold an already-resolved and settled debt. 

I disputed this debt immediately with XXXX XXXX XXXX, the debt collector for XXXX, immediately, but efforts began to collect the debt anyway. After months of working through this situation, XXXX closed the account upon investigating and finding that the debt was settled. XXXX stated that they returned the debt to Upstart. Upon learning this, I contacted Upstart to request a resolution and proof that the account had been properly handled and closed, due to this being settled back in XXXX of XXXX. 

Upstart has been a nightmare to communicate with since the beginning, and has never worked to resolve any issues I brought to them. They sold an already-settled debt, which restarted efforts to collect a debt that had already been paid. On XX/XX/XXXX, after XXXX  indicated the account had been closed and returned to Upstart, I reached out to Upstart again to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I have been receiving phone calls from XXXX XXXX XXXX, who claim to be acting on the behalf of CheckSmart, since XX/XX/XXXX. They said that they were hired by the company to settle a debt from XXXX, before it'd go to court for me to be sued for the amount supposedly owed. 

In the several phone calls that I have received and answered, I was told that the creditor had taken this matter court and that I would be prosecuted for fraud if I didn't settle. When I heard the representative say that it was taken to court, I asked where, and was told in Ohio. I asked for the claim number and was then told that it Could be taken to court but that it hadn't yet, and that the only way to stop that from happening was to pay the debt. 

In every single phone call I disputed the validity of the debt and requested verification, ON SEVERAL OCCASSIONS FROM SEVERAL REPRESENTATIVES. In a conversation with a XXXX, who claimed to be the manager, I asked to be sent the verification via email, and instead, on XX/XX/XXXX, I was sent a link of a PDF letter that again claimed a debt was owed, with no actual verification of the debt provided. The most recent call with the same manager, XXXX, I once again requested the same verification as from before. This time he told me that he didn't have that verification, and that the creditor he was collecting debt for hadn't given it to him either, so there was nothing that he could send to me about it. I then asked from what was he was basing his collection of debt from, and he tried explaining to me how debt purchasing goes between a creditor and a collection agency like his. 

I became irate at the fact that this company, XXXX, and its representatives had been calling me for months, multiple times a day, making claims of fraud and threatening to sue me in court, were doing so without having the verification of the debt they were referring to in the first place. 

Nothing, so far, has hit my credit profile, and aside from the link to their portal to make payments, nothing has been to sent any of my addresses ( email or physical ) as it relates to this supposed debt owed either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
CFPB WEBSITE : Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive COVID hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a HUD-approved housing counseling agency , to discuss a repayment plan that works for your situation. 

WELLS FARGO DID NOT FOLLOW THIS RULE, THEY REQURED A FULL AMOUNT OF COVID FORBEARANCE AND WHEN I WAS NOT ABLE TO PAY IT THEY TRANSFERED A LOAN TO A COLLECTION AGENCY WHO STARTED A FORCLOSURE LAWSUIT.

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 2023-06-13 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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
XXXX credit reporting bureau information incorrect I have tried several times and they refuse to correct information, name addresses, telephone numbers several outdated accounts over ten years old and over 3 years old. A fraud dispute with XXXX XXXX  for {$240.00}. Synchrony bank incorrect information in which is causing me financial difficulty. 
when I called in the report also, they are using information that is incorrect and refuse to delete from my report. Including several outdated inquiries. XXXX Credit Bureau are total frauds. They are not there to help the consumer as they portray and use information that date over 10 years old. I paid off over {$10000.00} XXXX dollars of several accounts and due to this Synchrony Bank had black balled me along with XXXX credit bureau, personal information dating back to XXXX, in which is inaccurate job information. Name information, I need your help as credit bureaus like this destroy consumers credibility along with XXXX XXXX XXXX XXXX XXXX, XXXX. Cunsumer relations XXXX, PA 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 2023-06-13 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: TX

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 Account Number : XXXX Account name : XXXX  Account Number : XXXX has violated my rights. Or 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: CA

Complaint narrative:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report,

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 2023-06-13 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:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report,

Company response to consumer: Closed with non-monetary relief