vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have read their correspondence regarding my filed CFPB complaints back in XX/XX/2024. 

XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX OPERATIONS- Account # : XXXX account & must be updated to current status! 
XXXX. XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to Equifax. 

Equifax stated that the account below is NOT currently reporting on the Equifax credit file, however, Im still seeing that this account is being reported on my Equifax credit file as per XXXX XXXX latest and updated credit report. 
XXXX. XXXX XXXX  - Account # : XXXX - Inaccurate Report! 

Lastly, XXXX stated that these account were verified on their end but ; XXXX. XXXX XXXX XXXX - Account # : XXXX -NO longer reporting to Equifax & XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to Equifax I would like to inquire about the method they employ to verify and validate the authenticity of the above-stated accounts? Why are some categories or information provided on my credit report still different from other credit bureaus? How did they conduct their investigation to ensure applicable and fair results? I still do not observe complete accuracy in their verification method.

According to Congress, if an account displays inaccurate details and the consumer disputes it, requests an investigation, and, following the investigation, the same inaccurate information persists in your furnished reports, then the disputed accounts should be subject to removal.

The significant question here is, why do the same inaccuracies appear concurrently in both of their previous and recent credit reports? Shouldn't all credit bureaus be reporting and obtaining the same information from a single furnisher? 

I need clarification on this matter and I insist that the above-mentioned inaccurate accounts MUST be completely removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
I have read their correspondence regarding my filed CFPB complaints back in XX/XX/2024. 

XXXX stated that these account were verified on their end but ; 1. XXXX XXXX XXXX- Account # : XXXXPaid-off account & must be updated to current status! 
XXXX. XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX. 

XXXX stated that the account below is NOT currently reporting on the XXXX credit file, however, Im still seeing that this account is being reported on my XXXX credit file as per XXXX XXXX latest and updated credit report. 
XXXX. XXXX XXXX  - Account # : XXXX - Inaccurate Report! 

Lastly, Experian stated that these account were verified on their end but ; XXXX. XXXX XXXX XXXX - Account # : XXXX -NO longer reporting to XXXX & XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXXInaccurate Report! NO longer reporting to XXXX I would like to inquire about the method they employ to verify and validate the authenticity of the above-stated accounts? Why are some categories or information provided on my credit report still different from other credit bureaus? How did they conduct their investigation to ensure applicable and fair results? I still do not observe complete accuracy in their verification method.

According to Congress, if an account displays inaccurate details and the consumer disputes it, requests an investigation, and, following the investigation, the same inaccurate information persists in your furnished reports, then the disputed accounts should be subject to removal. 

The significant question here is, why do the same inaccuracies appear concurrently in both of their previous and recent credit reports? Shouldn't all credit bureaus be reporting and obtaining the same information from a single furnisher? 

I need clarification on this matter and I insist that the above-mentioned inaccurate accounts MUST be completely removed from 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NJ

Complaint narrative:
ON TWO OCCASION I REQUESTED MY CONSUMER FILE DISCLOSURES FROM LEXIS NEXIS. THE SECOND REQUEST WAS AS RECENT AS XXXX XXXX 2024. 
I USE THE COMPANY OWN OWN REQUEST SYSTEM SUPPLYING ALL MY IDENTIFIABLE PERSONAL INFORMATION, AND LEXIS NEXIS RESPONSE TO THE SUBMISSION WAS BY MAIL SAYNG TO SUMMITT MY INFORMATION USING THEIR SYSTEM SUPPLYING THE REQUESTED INFORMATION. LEXIS NEXIS IS ENGAGING IN A STALLING TACTIC TO KEEP ME FROM ACCESSING AND KNOWING WHATS ON MY CONSUMER FILE. THIS IS BEING DONE TO PROHIBIT ME FROM DISPUTING ALL THE INACCURATE INFORMATION THAT IS LOCATED ON IT. THIS IS A COMPLETE. DENYING ME ACCESS TO MY CONSUMER DISCLOSURE IS A VIOLATION OF THE FCRA, AND IF NEED BE I WILL ESCALATE THIS TO A LEGAL VENUE IF ACCESS TO MY REPORT IS NOT HONORED. THIS REQUEST IS BEING MADE THROUGH MY VERIFIED CFPB PORTAL SO THE IDENTIFICATION HAS BEEN IDENTIFIED AS BELONGING TO ME THE NAMED CONSUMER IN THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX, someone used my personal information to obtain a credit card in my name from XXXX XXXX XXXX and charged an amount of {$850.00}. A Detective with the XXXX XXXX XXXX XXXX XXXX. had previously reached out to me about this matter. He advised me that he had looked into the matter of this identity theft and who obtained the fraudulent credit card. The Detective advised me that the identity and fraudulent credit card theft took place at XXXX XXXX XXXX, XXXX, GA XXXX. I advised the Detective that I had never resided at XXXX XXXX XXXX, XXXX, GA XXXX, and have resided at my current address since XXXX to present. On or about XXXX, I had attempted to discuss this matter with a XXXX XXXX XXXX  Representative, but the lady was very difficult to deal with over the phone and would not discuss the matter with me and advised me that the matter had been turned over to a debt collection agency. I, several times while on the phone with her attempted to advise her that I had never applied for a credit card with their bank. I also told her that I had not had a credit card since XXXX ( paid in full and shredded ) and that was with another financial institution. I also attempted to explain to the bank representative that I have never lived in XXXX, GA and had resided at my current address since XXXX. I have received numerous calls from Midland Credit Management and I once spoke with a XXXX XXXX ( works with Midland Credit Management ) who attempted to accuse me of having received the credit card. I explained to him that I had never applied for a credit card with XXXX XXXX XXXX and have never resided in XXXX, GA at the address provided. Approximately a week after mine and XXXX XXXX conversation, Midland Credit Management sent me a letter and copies of statements from XXXX XXXX XXXX. On XX/XX/XXXX, wrote a letter of dispute attention directly to XXXX XXXX disputing the accusation of fraudulent credit card debt. did not belong to me and that I was a victim of identity theft and someone obtaining a fraudulent credit card in my name. 
On XX/XX/XXXX, I wrote another letter disputing the fraudulent credit card and identity theft to Midland Credit Management. 
I am also having to get this mess cleaned up on my credit report with the credit bureaus so that I can get my credit score back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Dear Affirm Inc, I am writing to express my deep concern regarding the lack of information and communication provided by your organization regarding the alleged debt on XX/XX/2022. Despite my numerous attempts to obtain details on how to pay off alleged debt, I have been met with silence and a lack of cooperation. 


As a consumer, it is my right to receive accurate and complete information about any debt claimed against me. I have made diligent efforts to seek clarification and understand the nature of the alleged debt. However, your agency 's failure to respond or provide any relevant information has left me in a state of confusion and frustration. 

Therefore, I kindly request that if I do not receive a satisfactory response within 10 days from the date of this letter, you promptly remove the alleged debt from my credit report. The lack of information and communication from your agency has already caused undue stress and frustration, and I should not be penalized further by having an unsubstantiated debt negatively affect my creditworthiness. 

I expect your full cooperation in resolving this matter promptly and in compliance with the applicable laws and regulations. Please provide all correspondence and documentation to the email listed. 

Thank you for your immediate attention to this serious issue. 

Sincerely, consumer Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Bank accusing me of owing them for having system discrepancies which had absolutely nothing to do with me. I did a transfer back in XX/XX/2022. My bank statement from XXXX XXXX shows the instant transfers to the checking account which I had at the time with XXXX XXXX XXXX XXXX debit card ending in XXXX. It shows the precise amount with cash app transfer fees and XXXX XXXX bank statement shows the amount received! This account was never over-drafted prior to the transfer but somehow immediately after the transfer became over-drafted which made no sense. This bank is accusing me of sending extra funds I never sent! My statement is PROOF of what I transferred over exact! This bank also knows they had system discrepancies as they admitted to me they did and for that credited my account majority of what they initially accused me of but still left a balance of {$80.00} because they still want money from me after crediting the account of over {$250.00} for their system discrepancy. I only withdrew exactly what I transferred over to the checking account, nothing more or less! My statement backs up my theory!

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I received a letter on XX/XX/XXXX from Zion Debt Collections for {$620.00} for services from XXXX XXXX. I do not have an account from XXXX  XXXX and don't even know who they are. It seems like a scam letter. Letter states I owe this amount from XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MI

Complaint narrative:
I knew I was going to have to start back paying my loans in XX/XX/2023. Then I found out the SAVE program. I received an email stating that my loans were going to be put in Administrative Forbearance during this time. I sent correspondence through Mohela 's website letting them know I had applied to the SAVE program. Months passed and I didn't hear anything from them. You can't get anyone on the phone or clear communication on anything. I also let them know I was taking a XXXX credit course at my local XXXX XXXX. 

Then finally I receive a generic response via their system. It didn't give any detailed instruction on what was going on. Then I received a bill in XXXX of XXXX saying {$330.00} was due on XX/XX/2023. I contacted them again via their system and was that correct. The response I got a few weeks later was that same generic response. Like millions for other Americans I can't afford the payments but I make sure they receive {$100.00} a month until I can do better. Then I get a notice from XXXX XXXX and they put a like XXXX late payments on my credit report, it was only like XXXX or something. I contacted them again and asked how could this be? Then I even asked if the due date be changed from the XXXX of the month to the XXXX of the month..nothing. 

A couple of weeks later I received via their system that same generic message. Now today I get a message saying my loans have been back in Forbearance I don't know why and I didn't request it. I give up. I mean the SAVE program is 20 years so it's going to be a bad romance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to delete the following information in 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 Trades Commission and i also enclosed copies of the Federal Trades Commission 's 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 2024-03-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to delete the following information in 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 Trades Commission and i also enclosed copies of the Federal Trades Commission 's 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I asked why I was not able to view a my credit score from Experian like I could see with the other company 's I was inform it was because there was no activity on my account with in the last 6 months. and because of this it is stopping me from getting credit anywhere cause the creditors cant access a score from Experian because there no score they are blocking it. I not able to get credit. I have asked them to correct this issues, and Experian refused to fix this issues. which causes issues with me obtaining credit anywhere.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-07 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: MN

Complaint narrative:
I am writing to dispute several inquiries listed on my credit report, which I believe are fraudulent. I have no association with the listed creditors and suspect that my identity may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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