vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-17 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: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked 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 of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Westlake Services, LLC
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is 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 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked 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 of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-17 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from indigo platinum credit card from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. Indigo credit card continues to violate the law by posting incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have attached the prior complaint detail ( XXXX ) and the statement showing a balance of {$40.00} sent to me via email from CitiBank. I have also attached CitiBank 's response. 

The aforementioned complaint was closed after CitiBank asserted that my account had been closed and that I did not have a balance due. At the time of the original complaint the amount showing due was {$20.00}, that has now grown to {$40.00}. Just for additional clarity, here is an excerpt from the original complaint to provide some context : On Thursday XX/XX/XXXX, I received several alerts that my card had been used to make several large purchases that I did not make. The purchases totaled over {$1000.00}. I live in XXXX and these transactions were conducted in XXXX. The perpetrator was attempting to pickup the items at a store in XXXX, XXXX  I immediately cancelled the orders on XXXX and then called the XXXX number to dispute the charges and report the card as stolen. I logged in again the XXXX day and identified XXXX more fraudulent transactions. Since the card had been closed, I was no longer able to cancel or dispute the charges online so I called the same number and they told me that they could not verify my identity. 

I am filing a new complaint because CitiBank still has not closed my account and is still showing a balance due from the fraudulent charges.

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 monetary relief
Consumer complaint received 2023-07-17 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:
I am writing this letter to bring to your attention that it has been 30 days since I initially requested the verification and validation of certain accounts listed on my credit report. To date, I have not received any documents or communication from you or the respective creditor confirming the accuracy and legitimacy of these accounts. 

As per the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and respond to my request within 30 days of receipt. Failure to do so not only constitutes a violation of my rights but also places both you and the creditor at default under the FCRA. 

I would like to reiterate that the specified timeframe has expired without any documentation bearing my signature or any supporting evidence demonstrating the authenticity and late payment status of the mentioned accounts. Consequently, I demand the immediate removal of the following accounts from my credit report and an update of the late payments to reflect them as paid on time, as originally agreed upon. 

XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX Account last four # XXXX XXXX XXXX Account last four # XXXX XXXX XXXX XXXX  Account Last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX  XXXX  Account last four # XXXX XXXX Account last four # XXXX XXXX XXXX XXXX Account last four XXXX XXXX XXXX  Account last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX EQUIFAX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX  XXXX Account last four # XXXX XXXXXXXX  Account last four XXXX XXXX XXXX  XXXX Account last four # XXXX XXXX XXXX  XXXX Account last four # XXXX XXXXXXXX  Account last four XXXX XXXX XXXX XXXX XXXX  XXXX Account last four # XXXX XXXX XXXX XXXX XXXX Account Last Four XXXX XXXX XXXX XXXX XXXX  Account Last four XXXX XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXX-PAID AS AGREED ON TIME XXXX XXXX Account Last four # : XXXX - PAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was contacted by mail by FCO, Fair Collections & Outsourcing , Inc.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX, regarding a purported debt consisting of purported rental arrears. The letter claimed I had a lease with the landlord and failed to pay according to its terms. 

I asked them to validate the debt and they sent me a lease commencing on XX/XX/22, which is after every item on their purported rental ledger. 

In fact, there is no lease or any other document to support my liability for rent through the period on the ledger. 

They have threatened to report this fraudulent debt to credit reporting agencies as well as litigation.

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 2023-07-17 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: GA

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Problems with Credit Acceptance raising interest rates, being uncooperative in trying to lower payments or refinance. Rude disrespectful customer service, predatory lending behavior

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello i have information showing on my credit report that i did not authorize. These accounts, inquires and address are causing damage to my credit report. I have gathered all necessary documents and will attach them to this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello i have information showing on my credit report that i did not authorize. These accounts, inquires and address are causing damage to my credit report. I have gathered all necessary documents and will attach them to this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I received this letter in the mail today. The same letter they my keep sending me. Its dated for XX/XX/XXXX. After the certified mail I sent to Lexis Nexis, that was received on XX/XX/XXXX. They have my social and copy of my license with date of birth on it. I dont know what else they want from me. They REFUSE to send my CLUE report and keep lying to the CFPB! I've reached out to company via phone and online system multiple times. I input all my information correctly and received a confirmation. Lexis Nexis keeps mailing letters instead of report that they are not able to verify identity even though I'm the person entering all the information about myself. I've emailed and mailed them a copy of my license. They are still saying that they not able to verify my identity and do not provide me my report. I've received information from other companies that there are errors on my report, but I'm informed I would need to request report directly from Lexis Nexis which where they got the report from. They lied to CFPB with their response that they had reached out to me on the first complaint filed. Again, on my second complaint they claim to have mailed it to me as of XX/XX/14 in order to have my complaint closed. Its been almost 3 months of me requesting my CLUE report but not receiving it. Im attaching proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation