vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-01-22 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: AL

Complaint narrative:
Accounts and records XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?

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 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX and IQ International Data is falsely trying to collect {$880.00} after move out. I was a former tenant of XXXX XXXX XXXX as a sublet to a previous tenant, XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. After move out, we did not receive our deposit of {$590.00} back from the property that was previously managed by XXXX XXXX. Per California civil code 1950.5 ; Landlords will need to provide an itemized statement of any additional fees and/or the security deposit within 21 days of move out ( https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=1950.5 ). We did not receive either information. I sent out a certified letter requesting said information to XXXX XXXX XXXX but could not get a response as the manager did not check the mail and the letter was returned back to me. I am now, in XXXX receiving a mark on my credit report indicating there is a left over balance of {$880.00} from IQ International debt collection agency, exclaiming I am the sole leasee and only responsible for this debt. Can you please confirm whether or not previous management sent out a full letter explaining all extra charges and deposit allocation addressed to me, XXXX XXXX. The information I received from IQ was a charge of {$790.00} but does not include the deposit of {$590.00} that should have been used had there been any additional charges. Furthermore, the debt collector IQ Data on a recorded call in XX/XX/XXXX, told me that my address was not updated with the United States Postal Service but I am attaching proof that I did update my address for XX/XX/XXXX, and all my other mail was correctly forwarded except the letter from XXXX which I believe a move out statement was never created or even mailed. I reached out to XXXX XXXX in XX/XX/XXXX and was told by XXXX they don't see any info on my account. 

Attached is proof of the updated address and proof of my letter to XXXX XXXX XXXX and the letter that was sent to XXXX XXXX XXXXXXXX with dates attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS 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 non-monetary relief
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
There is a derogatory medical collection that has been placed on my Equifax and XXXX consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX The XXXX XXXX XXXX company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
They represented XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX while I was a first-year student at XXXX XXXX XXXX XXXX The apartment promised all students who were, like me, applying at the time believing that you could sublet apartments through their help. They 'promised ' that they would help with the sublet process " until a substitute tenant is found for you ''. I asked for their help for 3 months before my departure and they did not find any substitute tenants, because the apartment management is absolutely horrible. 

It is common for students to transfer out from that campus in the middle of the lease, and knew it up front, yet 'sweet talk ' while obscuring information about the sublet process and convince most of us to stay with them. 

Not only that, after I departed, they sent debt collectors who threatened legal action when I failed to provide the rent because I already moved out, which caused emotional trauma. I could find other students who can support my statement. 

Anyone who demands primary evidence against such establishment can find numerous people who left comlaints on XXXX Review/XXXX  Reviews. If they decide to not settle for a resolution, all of us can stand and make sure they answer to their practices, at least to those in the recent past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : 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 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 2022-01-22 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: AL

Complaint narrative:
Accounts and records XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?

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 2022-01-22 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: AL

Complaint narrative:
Accounts and records XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Finance Holdings, LLC
State: NJ

Complaint narrative:
Hi, my name is XXXX XXXX and I'm having issues with a company named Service Finance. I continuously asked Service Finance to stop calling me, remove my number from their calling log and they continue to harass me with phone calls and letters that I keep returning. I get threats of them reporting incorrect information on my credit report. They asked me for my personal information each time they call and I get a lot of hang-up calls and late calls after XXXX from them. This has been going on for months, even after sending them my police report and my credit dispute letters, and I even sent in the Identity theft report and letters, along with the 605B and the complaint consumer letters. Service finance just chooses to keep disrespecting the law and my rights. Can you please assist me in making them respect and obey my rights? Their contact number is XXXX and the account number I'm being accused of is XXXX. Can you ask them for all proof of documentation that was used to open the account, that they are accusing me of? 

Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX 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 2022-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX 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 2022-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This company is repeatedly marking this account as collections on my credit report. 3 times already in the month of XXXX. Dates of XX/XX/22, XX/XX/22 and today XX/XX/22. Isnt this a violation of reporting actions. Id like them to stop attacking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I am trying to add my loan number XXXX with property address XXXX XXXX XXXX XXXX NJ XXXX to my existing online profile. The online system is extremely buggy and there is a lot of error and I have called the company and emailed the company many times, but they could not resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
The following accounts are inconsistent and only show on my Equifax and XXXX consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney GeneralXXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXXXXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following inquiries should not be on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX need to be removed. 

Transunion XXXX XXXX XXXX XXXX need to be removed.

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