vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have notified XXXX and Experian that the account vendor XXXX Office of Texas Attorney General ) is actively being sued in federal court for illegal activity and I have provided substantial evidence to the credit bureaus proving that the account was paid prior to the lawsuit. As a result of me filing a federal lawsuit against the account vendor they retaliated by illegally changing the past due amount to an amount that does not line up with my income per the law. In addition they filed illegal enforcement paperwork to have me sentenced to jail. The account continues to negatively impact my credit report The fact that the account vendor allegedly retaliated by increasing the balance after federal suit was filed violates the Fair Debt Collection Practices Act ( FDCPA ) and is considered unlawful harassment per the law. This has opened me up for additional claims for damages beyond the current suit. Increasing the balance after I've filed a lawsuit is also an attempt to retaliate and intimidate. The credit bureaus and account vendor continue to refuse to remove the inaccurate information despite the evidence I have. This is a violation of the Fair Credit Reporting Act ( FCRA ) Account in Dispute ( Office of Texas Attorney General )

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX say they own the debt I never did any business with them before or had any accounts with them, And other company, XXXX XXXX I never did any business with These company or ever had any account with these company and I never did give any of these companies permission or my consent to have access to my personal information or my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
XXXX XXXX say they own the debt I never did any business with them before or had any accounts with them, And other company, XXXX XXXX I never did any business with These company or ever had any account with these company and I never did give any of these companies permission or my consent to have access to my personal information or my account

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
XXXX 's disclosures are confusing and they force the borrower to get a " co-signer '' without ever having any lending agreement with the co-signer. Then send the loan to the co-signer. The original borrower is responsible for payments but if more is paid in advance they stop collecting. on the auto pay and let the interest bring the total owed to more than before the large payment was made. They have threatened the " co-signer '' without ever having any signed loan agreement with that individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM.

So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting 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:
THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS... THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have notified Transunion and XXXX that the account vendor ( Office of Texas Attorney General ) is actively being sued in federal court for illegal activity and I have provided substantial evidence to the credit bureaus proving that the account was paid prior to the lawsuit. As a result of me filing a federal lawsuit against the account vendor they retaliated by illegally changing the past due amount to an amount that does not line up with my income per the law. In addition they filed illegal enforcement paperwork to have me sentenced to jail. The account continues to negatively impact my credit report The fact that the account vendor allegedly retaliated by increasing the balance after federal suit was filed violates the Fair Debt Collection Practices Act ( FDCPA ) and is considered unlawful harassment per the law. This has opened me up for additional claims for damages beyond the current suit. Increasing the balance after I've filed a lawsuit is also an attempt to retaliate and intimidate. The credit bureaus and account vendor continue to refuse to remove the inaccurate information despite the evidence I have. This is a violation of the Fair Credit Reporting Act ( FCRA ) Account in Dispute ( Office of Texas Attorney General )

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 2024-11-09 00:00:00
Product: Credit reporting 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:
THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS... THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS...

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 2024-11-09 00:00:00
Product: Credit reporting 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:
THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS... THE FOLLOWING INFOMATION IS BEING FURNISHED MY CREDIT REPORT FRAUDLENT PLEASE INVESTIGATE AND REMOVE THIS INFORMATION ACCORDING TO THE FAIR CREDIT REPOTING AGENCY THIS INFORMATION MUST BE REMOVED IMMEDIATELY THE FOLLOWING ACCOUNTS DOES NOT BELONG 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I HAVE REACHED OUT TO ALL THESE AGENCIES AND THEY ARE REFUSING TO VAILDATE THIS INFORMATION AND UPDTAE MY CREDIT REPORT TO REFLECT TRUE AND ACCURACY RESULTS...

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM.

So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complain, QWR, DVR against XXXX XXXX XXXX XXXX dba PennyMac Loan Services , LLC and PennyMac Loan Services , LLC On XXXX XXXX XXXX XXXXXXXX XXXX ( robots ) who pretended to be PennyMac Loan Services LLC sent me absurd runaround and unnamed financials which contained following fees and charges : 1. Trustee refund {$380.00} billed to me on XXXX XXXX. Please provide me the name for this Trustee, direct information for an individual authorized employee of this Trustee who has personal knowledge about this refund and a copy of real financial documents ( wire transfer receipt, cancelled check, ACH ) evidencing this refund 2. Litigation attorneys fees {$450.00} billed to me on XXXX XXXX. Please provide me name of litigation attorneys who received these fees, copy of their billing statements and a copy of financial documents ( wire transfer receipt, cancelled check, ACH ) evidencing payment to these litigation attorneys

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief