vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital has failed to verify the debt that they claim I owe for fingerhut I am currently paying fingerhut directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are unverified information on my Consumer Report and my report should be 100 % accurate. I am aware that the CRAs need my permission and written approval to release my personal/private info to third parties. These entities did not disclose to me that I could have " OPT OUT '' of having these accounts being place onto my Consumer Report did they disclosure their company policies to me. I am very confusion as to how are the CRAs able to place these fradulent acts on my Consumer Report? Congress has passed 15 USC 1681a Definitions ; rules of constructions ( 2 ) EXCLUSIONS - Except as provided in pargraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681 s-3 of this title, any - ( i ) reportcontaining info soley as to transactions and experiences between the consumer and the person making the report ; For example - that means no collections, charge offs, late payment, medical bills Judgments and Bankruptiecs etc. Aren't these transactions and experiences? Yes they are! Using my personal/private information is ID THEFT pursuant to 18 USC 1028A which is a Felody and carries a prison sentence of 2 years. I have a Right to Privacy I Demand these fradulent illegal account be removed from my Consumer Report and my Consumer Report score be restored.

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 2023-05-06 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: MI

Complaint narrative:
There are unverified information on my Consumer Report and my report should be 100 % accurate. I am aware that the CRAs need my permission and written approval to release my personal/private info to third parties. These entities did not disclose to me that I could have " OPT OUT '' of having these accounts being place onto my Consumer Report did they disclosure their company policies to me. I am very confusion as to how are the CRAs able to place these fradulent acts on my Consumer Report? Congress has passed 15 USC 1681a Definitions ; rules of constructions ( 2 ) EXCLUSIONS - Except as provided in pargraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681 s-3 of this title, any - ( i ) reportcontaining info soley as to transactions and experiences between the consumer and the person making the report ; For example - that means no collections, charge offs, late payment, medical bills Judgments and Bankruptiecs etc. Aren't these transactions and experiences? Yes they are! Using my personal/private information is ID THEFT pursuant to 18 USC 1028A which is a Felody and carries a prison sentence of 2 years. I have a Right to Privacy I Demand these fradulent illegal account be removed from my Consumer Report and my Consumer Report score be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: MI

Complaint narrative:
This is my 12th 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 records 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, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-06 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: MI

Complaint narrative:
This is my 12th 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 records 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, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
We have had our job slow down down on us in XX/XX/XXXX discussed this. With them told them we were out work the week before XXXX and XXXX week.When we went back theh harrassed.us in XXXX every day XXXX to 3 times aday. In XXXX first time every we spoke to.a floor manager who helped us and we made a payment and made XXXX in XXXX but we struggled to make those payments by XXXX the business slowed down and this all had to do with the economy and this is our business. So we spoke to them in XXXX and we told them the same are work was slow we have struggled yes we have payed some bills but this car payment is {$630.00} for a XXXX XXXX encore 5 year contract and were just at XXXX XXXX.we stated with {$40000.00} and the car was only XXXX a d some change and the percentage is high but anyway they just said I'm XXXX please make your payment or we haven't heard from then they have not called us since XXXX! I called Friday XX/XX/XXXX and asked the young girl about a hardship program and that we had not heard from them at all she said a d I qoute ( we don't have your number ) but if I can pay {$280.00} she could see what she could do. I just told her we were broke and need help. We have not every had a deffered payment through this company. THE LAWSUIT AGAINST THEM IS CORRECT THEY ARE TO EXPENSIVE, PAYMENTS TO HIGH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: CA

Complaint narrative:
XXXX XXXX has failed to verify the debt that they claim I owe for XXXX  I am currently paying XXXX  directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has failed to verify the debt that they claim I owe for fingerhut I am currently paying fingerhut directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.

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 2023-05-06 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
This company has never sent me a bill of verification of debt. I have disputed on my credit report but the bureau has not properly investigated. I have not taken a loan by phone out nor do I believe to owe this debt. I have also filed this with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
This inaccurate information continues to reappear on my credit report. This is an old account from 2016. I Do NOT owe this debt. I disputed the validity of this years ago. It was removed, and it reappeared with another more current date. I complained multiple times regarding this. The company keeps falsifying dates & records. 
The Creditor is NATIONAL CREDIT SYSTEMS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
So I disputed online and sent the document off on XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Will include attachments of dates of denial emails on two different occasions on tw separate pre-approvals. I was invited to apply for credit and loans with Upgrade with a decent credit score. I will attach the minimum scores they normally approve consumer applications with XXXX or higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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 company has never sent me a bill of verification of debt. I have disputed on my credit report but the bureau has not properly investigated. I have not taken a loan by phone out nor do I believe to owe this debt. I have also filed this with the federal trade commission.

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 2023-05-06 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
nca has never sent me a bill or verification for this debt with the XXXX XXXX XXXX  I do not agree to owing this debt. I would like the credit bureau to investigate and require NCA to show proof that I owe this debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: GA

Complaint narrative:
I'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06 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: GA

Complaint narrative:
I'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-06 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: GA

Complaint narrative:
This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-06 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:
This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06 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:
XXXX has never sent me a bill or verification for this debt with XXXX XXXX XXXX XXXX  I do not agree to owing this debt. I would like the credit bureau to investigate and require XXXX to show proof that I owe this debt to 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 2023-05-06 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: CA

Complaint narrative:
XXXX has never sent me a bill or verification for this debt with the XXXX XXXX XXXX I do not agree to owing this debt. I would like the credit bureau to investigate and require XXXX to show proof that I owe this debt to 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 non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not agree with the reporting of this collection agency. They claim to have sent a verification letter but have not. Also, they claim the date of opening to be 2019 which is not accurate as I did not have XXXX  in 2019. I would like this claim to be investigated thoroughly and for this debt to be verified with the credit bureau as the credit bureaus has never verified this debt. I deny any type of ownership towards this as well as the statue of limitations that a debt can be reported.

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 2023-05-06 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: NY

Complaint narrative:
I want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. XXXX  ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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