vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: WI

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: MN

Complaint narrative:
Attached to this complaint is a letter from XXXX XXXX for Experian immediate review. XXXX XXXX is unable to verify the accuracy of bankruptcy case number XXXX currently listed as a public record on my Experian credit report. XXXX XXXX is requesting for Experian to review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my Experian credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : 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 2022-12-19 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX5 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX, TX XXXX XX/XX/2022 Dear Trans Union, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  TX XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I was given a visa gift card at a company party with a denomination of {$100.00}. I had the card for about two days before I even unsealed the package and removed the card. I tried to use it online but it was declined. I called the 800 number on the back and after waiting about 40 minutes online was connected to a person who could barely speak English. Their accent was so heavy I could barely understand them. This call took about 30 minutes. I was told that the card has been used twice at target for transactions of {$50.00} exactly each at XXXX XXXX  two days before I actually received the card. I was told that I had to file a dispute. Then I was asked for a whole bunch of personal information such as my full name, address, phone number, and email address and date of birth. When I even suggested that it was inappropriate for them to ask for all this personal information the person threatened to disconnect the call because I was refusing to cooperate. I was told I was going to receive an email containing a form that I was to fill out and send back to???? company ( the rep refused to tell me the name of the company that issued the card ). I only found that information by doing a bunch of research online. I was told that along with the form I would have to submit a copy of my drivers license front and back. As of yet, I have not received an email. I feel that this is really some kind of scam. It's real convenient that the card was used for {$50.00} transactions two days before I received it. The company 's website that is printed on the back of the card looks very suspicious. The calls are routed to overseas call centers. I don't feel that I should have to provide this personal information and copy of my own personal documents to this very suspicious company just to get the funds that my friend paid for. The bottom line is this company is trying to rip us off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % completed and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account Name : XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
During XX/XX/2022. Ive disputed this XXXX XXXXXXXX XXXX issue on my checksystems and it never been resolved!

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 2022-12-19 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I attempted to apply for mortgage assistance, XX/XX/2022. At that time I discovered that the mortgage company had my and my late husband 's social security numbers reversed. In an attempt to correct the social security numbers, I submitted all of the documents that one is required to submit to the DMV in order to become Real ID compliant. The mortgage company did not correct the social security numbers but instead changed my last name in their records to XXXX ( my Maiden name that I haven't used in over 30 years ). 

I began a second attempt at applying for mortgage assistance XX/XX/2022. I am still unsuccessful, as all of the required documents that I submit, result in a " missing information '' letter generated stating that borrower information doesn't match their records. All of their records are incorrect. 

Mortgage company refuses to correct social security numbers on file. They have switched my and my deceased husband 's social security numbers. I can't apply for mortgage assistance because of this. All documentation that I submit generates a " missing information letter because my information does not match their files. 

In an attempt to get my social security number corrected, the mortgage company changed my last name from XXXX to XXXX ( maiden name that I haven't used in over 30 years ). 

Now both my name and my social security number are incorrect, which prevents my applying for Mortgage assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This illegitimate debt that was already PAID IN FULL to XXXX XXXX XXXX , XXXX in XXXX and XXXX XXXX working with each other and was handed over by them to CBE Group , Inc. in the last year XXXX for possible more illegal collection. CBE Group , Inc. has attempted on many occasions to contact me by mail and phone regarding this PAID IN FULL amount as seen on the photos attached herein. They have also tried personal harassment at my gym, shopping centers, and eateries as well as following me in cars and trucks of which my attorneys private investigators have video taped and cross checked names and address 's of the owners of said vehicles and employment histories.. We have turned all information to the Ca. State Attorney Generals offices as well as the FBI Offices in XXXX Ca. for Highly illegal EXTORTION attempts as well as Collusion to commit crime as an organization under Federal RICO Act. Stated clearly in the document using U.S. MAIL system on the envelope it was mailed in constitutes Federal Mail Fraud and that is included per the photos enclosed.. XXXX XXXX XXXX , XXXX handed this file over to CBE Group , Inc. knowing full well it had been previously PAID IN FULL in XXXX for the amount of {$2300.00} and Nothing was then owed again.. CBE Group, Inc. then attempted ti send letters dated XX/XX/XXXX!! to collect an additional {$710.00} that was part of the original payoff to XXXX XXXX XXXX , XXXX in XXXX per XXXX answer to the complaint filed on XX/XX/XXXX here in CFPB. So how does a NEW. bill show up for the same PAID IN FULL account XXXX years PREVIOUS?! 
This is a classic " Handoff '' the FBI has informed my attorney to collect further debt illegally and with malice intended of a debt not owed.. CBE Group , Inc. knows full well that my name was changed legally in XXXX XXXX XXXX for inheritance purposes from XXXX XXXX , my step dads family name to, XXXX XXXX as per my Ca. State Drivers license, U.S. Passport and Social Security Number. They know this clearly and still harass by using a prior legal name that has been changed for over 3 years. It's clear they don't think the law applies to them so we will have show them that it does apply. The recently passed Collection Act in XXXX of XXXX will soon see addendums being added to it to curb all illegal activities of Collection Co 's in Ca. as per our conversations with law enforcement and judiciary commitees. The DRE, Construction Licensing, Labor, Medical, Insurance, review boards came into existence in California and Federally for this very reason.. To many idiots that think they are above the law and abusing it regularly...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
This has to do with pay pal and started way back in 2014. While moving from place to place personal information was collected by individuals that were helping out until a place could be found to live. This put private information at mercy of the home owner by means of controlling the US mail and as well communication via the internet. After leaving said residence the homeowner or main occupant still has the mail and keeps for self or does right thing and hands over even after change of address, which can be stopped by homeowner by accessing mail of said victim. With that said the homeowner now has access to bank accounts and debit cards and financial institutions of said victim and all is exposed leaving victim helpless and now bullied harassed and helpless. Any complaints made to banks or credit card companies PayPal XXXX and on and on are pushed away and not addressed because said homeowner has taken over identity. Homeowner is said to be the perp of an XXXXXXXX XXXX XXXX by XXXXXXXX in a different state that has not been convicted due to the reason of running. So this homeowner has been using said victim for many years and taken everything from said victim XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. So many business here and many people involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00}.

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