vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding the account attached to this complaint. Experian has failed me as a consumer. Reporting an account they have never accurately verified or validated. I have asked for instruments containing my signature, I have asked for proof of verification, I have asked for information regarding the investigation. I have never received any of this, simply because they can not provide it since they have failed to follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates. Experian is in violation of numerous laws under the FCRA and Gramm leach Bliley Act. This complaint has information regarding the rightful owner and their signature behind the account listed in this complaint. I have fully completed and took the initiative to fulfill Experian 's job to protect my name. This is an Injustice. Experian 's willful noncompliance has caused me damage and 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has neglected my dispute I sent in by mail. I have yet to receive any updates. This is not the first time I have disputed, They have failed to accurately verify the information they are reporting on my behalf. Reporting late payments on my report causing damage to my financial reputation. Equifax Is in direct violation of The FCRA 15 USC 1681B, 15 USC 1681, 15 USC 1681E ( B ) AS WELL AS 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Equifax has failed to assure maximum possible accuracy of any account it reports on behalf of a consumer. Equifax should not just report anything on my report because they are being compensated by third parties, this is unfair to me the consumer. As this has been causing me alot of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some INACCURATE ADDRESSES left that need to be removed. Per FCRA section 605 you are required to remove any ADDRESSES listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold them accountable for they willful noncompliance. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA 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 2023-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony bank stated my account will not be reinstated so i want disputed items removed from my bill and late payments removed from credit report. 

I want XXXX XXXX  to be held responsible for deceptive business practices. It has been over 6 months & they have not honored the warranty I purchased! They sent synchrony bank a invoice with a fraudulent signature on it that did not belong to me. At this point I do not trust them in my home! 

If synchrony will not remove disputed items I want XXXX XXXX  to pay the balance of them.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Account Number XXXX has never been 60 days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.

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 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
I received a notification from a debt collector. I requested for details of the debt. The company was unable to provide but wrote that it has concluded investigations. No details about the investigation was sent to me either. But was reported to the credit bureau

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following accounts currently listed and showing on my Equifax credit report has an incorrect balance XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX The correct balance on my XXXX, XXXX XXXX  and XXXX XXXX  credit card account is {$0.00}. The following credit card listed and showing on my Equifax credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX {$410.00}. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  is lost/stolen and the current balance of {$410.00} is all fraudulent transactions. The following hard inquiries currently listed and showing on my Equifax credit report are all fraudulent and not my hard inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has neglected my dispute I sent in by mail. I have yet to receive any updates. This is not the first time I have disputed, They have failed to accurately verify the information they are reporting on my behalf. Reporting late payments on my report causing damage to my financial reputation. Transunion Is in direct violation of The FCRA 15 USC 1681B, 15 USC 1681, 15 USC 1681E ( B ) AS WELL AS 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.Transunion has failed to assure maximum possible accuracy of any account it reports on behalf of a consumer. Transunion should not just report anything on my report because they are being compensated by third parties, this is unfair to me the consumer. As this has been causing me alot of stress.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2023-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
US auto finance is who I leased my car through. My car was stolen and damaged back in XX/XX/2022, my car insurance company paid XXXX of the dollars off then I was told that my cpi was going to cover the rest of the payment and it should be updated on my credit report in XXXX of XXXX  which never happened. I constantly reached out to the company so then they told me that it would be a charge off on my account in XXXX of XXXX  and that never happened as well I have been goin back in fourth with this company going on a year now about the removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECONDLY IVE NEVER OWNED AN ACCOUNT WITH THE ACCOUNT # STATED ABOVE AND ON MY REPORTS. NOT 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I found out that my information was used for several student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX XXXX XXXX {$80.00} XXXX Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting a XXXX account that doesnt belong to me, I asked them to delete it and they want Ive disputed it with them and they keep trying to stall me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Account XXXX XXXX has never been 60days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, Has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666BB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, Has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666BB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$13000.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Account XXXX XXXX has never been 30 days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.

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