vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: CO

Complaint narrative:
I completely disagree with the results of this Company. The account I listed still remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor ( s ) documentation on file to verify that this information is indeed mine and is correct. In the result of their previous investigation, Experian stated in writing that this account was verified as accurate? They also mentioned that they are not required to reinvestigate this item. 

I also went ahead and contacted the court, and they mentioned that they do not provide information to any websites, internet search engines, third parties, and/or any credit reporting agencies. Experian must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1681e ( b ).

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 2020-11-04 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:
I am writing this due to non-compliance with XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my Experian Credit Report that had a XXXX/XXXX  XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached XXXX  and XXXX  reports. Neither of the reports contain this XXXX account. Other than this negative remark on Experian I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified 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 2020-11-04 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: FL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-04 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: IL

Complaint narrative:
I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
In XXXX I closed my account with XXXX  XXXX  I had a XXXX balance XXXX  XXXX  left my account open resulting in another month still due I was working with XXXX XXXX  and the FCC was an active open complaint over this matter for some reason or another this credit collection agency ended up with this account I was still not done with my process involving the FCC and that I was waiting for their official response to come in the mail that they never sent to me which was on the XXXX of XXXX this collection had apparently began three days after that XXXX had explained to me that they needed at least 30 days in order to close the account to which I requested the account be closed in XXXX of XXXX as outlined in my FCC complaint I still received a bill for XXXX and XXXX for services I did not even have therefore I owe them no balance whatsoever

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: NV

Complaint narrative:
I have a car loan on my credit report that does not belong to me. It was disputed with all three credit bureaus. I filed a police report and an identity theft report. The contract from this company and initial application has my name but a totally different social that doesn't even belong to me on it. XXXX  and XXXX  both deleted the account but Equifax has deleted it and then put it back on. There is no proof it is mine and the social the account is under isn't even my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: IL

Complaint narrative:
I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-11-04 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:
I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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:
On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from navient removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact navient and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.

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 2020-11-04 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:
On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact  XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: GA

Complaint narrative:
This debt is not mine. In accordance with the FCRA prior to reporting this debt XXXX  XXXX had a legal obligation to mail a notice to me of any debt they felt is owed. XXXX  XXXX is unable to provide copiers of these notifications because I was never notified. This debt is not mine and it is not valid. If a debt was owed to XXXX that balance would have transferred when I moved to my new address. It did not because nothing was owed. My XXXX account number is XXXX XXXX XXXX XXXX. XXXX  XXXX had my address if this debt was valid they had multiple opportunities to contact me about this debt.

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 2020-11-04 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: FL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-11-04 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Account number XXXX This is my final warning. IC SYSTEM and XXXX have until XX/XX/XXXX to remove this or I will file a lawsuit. You all have my account information and further tactics used to dodge this will not be accepted. 

IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit 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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: NC

Complaint narrative:
I sent letters too the company twice XXXX and XXXX and they have yet too respond with the requested information that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: GA

Complaint narrative:
This debt is not mine. In accordance with the FCRA prior to reporting this debt XXXX  XXXX had a legal obligation to mail a notice to me of any debt they felt is owed. XXXX  XXXX is unable to provide copiers of these notifications because I was never notified. This debt is not mine and it is not valid. If a debt was owed to XXXX that balance would have transferred when I moved to my new address. It did not because nothing was owed. My XXXX account number is XXXX XXXX XXXX XXXX. XXXX  XXXX had my address if this debt was valid they had multiple opportunities to contact me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: GA

Complaint narrative:
This debt is not mine. In accordance with the FCRA prior to reporting this debt XXXX  XXXX had a legal obligation to mail a notice to me of any debt they felt is owed. XXXX  XXXX is unable to provide copiers of these notifications because I was never notified. This debt is not mine and it is not valid. If a debt was owed to XXXX that balance would have transferred when I moved to my new address. It did not because nothing was owed. My XXXX account number is XXXX XXXX XXXX XXXX. XXXX  XXXX had my address if this debt was valid they had multiple opportunities to contact me about this debt.

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