vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I fell behind on my mortagae and I was going through XXXX  to help pay my balance and they still sent me foreclosure letters and threatening my home even when I'm involved in that program

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 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute both alleged debts pursuant to 15 USC 1692g. XXXX XXXX XXXX  says this account was allegedly opened XX/XX/20 and LVNV Funding has a completely different date listed which is inconsistent further confirming their allegations are false. 

I do not recognize how these accounts are reporting on my credit report. I do not recognize the account numbers ; I do not recognize the account status. I also do not recognize the account high balances not the late payments associated with these alleged debts. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. 

Since these alleged debts are disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you paid for these debts. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASZSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account .I am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account XXXX am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX AVXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-27 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-03-27 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I asked Transunion to verify this account multiple times since I dont own this account and asked for my bearing signature on the agreement with XXXX XXXX or anything that I have agreed upon. I wasnt provided with any details this is impacting me a lot and violating my rights. 
XXXX has already verified this account isnt mine and provided me with every detail in a professional way. I would want this account to be immediately deleted from my credit report. 
XXXXXXXX XXXX XXXXXXXX Submitted on XX/XX/2023 File number XXXX Completed on XX/XX/2023. 

Second. 
Dispute. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DISPUTE REASON : Ownership I have no knowledge of this collection account. 
I asked for documents and proof of this account as well but none was provided. Please delete this 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 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery is stating I opened an account with XXXX XXXX XXXX in XXXX of 2022  and I never opened an account with XXXX XXXX XXXX in XXXX of 2022. I want this deleted from any credit report this affects because it is incorrect and the allegation is false. 

I, XXXX XXXX, a consumer, am notifying you that I dispute the debt pursuant to 15 USC 1692g. The one listed on my credit profile states it was opened XX/XX/2022 and the amount says {$1100.00} with a contact address of XXXX XXXX XXXX XXXX, FL. XXXX. It is alleging I opened an account with XXXX XXXX XXXX in XXXX of XX/XX/XXXXand I need you to provide me the notarized contract proving this and as you know, it must include my wet signature. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number ; I do not recognize the account status. I also do not recognize the account high balances, nor the late payments associated with this alleged debt. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. 
Since this alleged debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you were paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: KS

Complaint narrative:
I disputed fraudulent information appearing on my credit reports multiple times with Experian and they sent me letters stating they will not investigate. 

The fraudulent information is : XXXX {$2800.00} and XXXX XXXX XXXX  {$6000.00} I disputed fraudulent information appearing on my credit reports multiple times with XXXX and they sent me letters stating they will not investigate. 

I have included a copy of my identity theft 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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I had a " loan '' with Affirm processed on XX/XX/XXXX. 

I paid my first payment XX/XX/XXXX I paid late on my 2nd payment XX/XX/XXXX I paid my last payment on time XX/XX/XXXX. 

My credit report shows I never made a payment and still owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
I completely settled this debt with this company. 

I paid the agreed settlement amount due of {$1400.00} as of XX/XX/2023. I received a letter saying that this debt was satisfied. 

The company representatives that I talked to said that once I paid this debt off, then they would completely delete the collection off of my credit report. 

Hunter Warfield has not deleted this item off of my credit report, and they are still reporting a balance of {$1400.00} to the all three credit bureaus. They keep reporting a balance instead of deleting the item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-27 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: NV

Complaint narrative:
I XXXX XXXX have reached out to EQUIFAX & XXXX XXXX XXXX XXXX numerous of times about a Payment that's stating I have Debt Owed which is Currently in Collections and Negatively affecting my Credit score. 

Therfore With No Response from EQUIFAX, I did Recieve both a Letter and Email from the ( CRA ) XXXX XXXX XXXX stating they don't have No Acknowledgement of knowing Who I am. 

In which Laws have been Violated when it comes to the Collections Practice upon the Privacy of my Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint regarding the violation of my rights and the Fair Credit Reporting Act by the consumer reporting agencies. As a natural person, I have federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, the following accounts were furnished to the agencies without my written instructions, and I demand their immediate deletion : XXXX XXXXXXXX XXXX The consumer reporting agencies are governed by 15 USC 1681, and their violation of my rights several times is unacceptable. As per 15 U.S.C 1681 section 602 A., I have the right to privacy, and Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without written instructions. 

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing adverse information other than records of convictions of crimes that antedate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

I demand that these accounts be removed immediately, as the consumer reporting agencies have violated my rights.

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 2023-03-27 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: NY

Complaint narrative:
I am filing a formal complaint regarding the violation of my rights and the Fair Credit Reporting Act by the consumer reporting agencies. As a natural person, I have federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, the following accounts were furnished to the agencies without my written instructions, and I demand their immediate deletion : XXXX XXXXXXXX XXXX The consumer reporting agencies are governed by 15 USC 1681, and their violation of my rights several times is unacceptable. As per 15 U.S.C 1681 section 602 A., I have the right to privacy, and Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without written instructions.

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing adverse information other than records of convictions of crimes that antedate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

I demand that these accounts be removed immediately, as the consumer reporting agencies have violated my rights.

Company response to consumer: Closed with explanation