vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: NV

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 accounts 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 XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}

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 2023-01-14 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:
I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.

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 2023-01-14 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: SC

Complaint narrative:
Information is incorrect on my credit report. I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus verify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy. According to : 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, According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-14 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: SC

Complaint narrative:
Information is incorrect on my credit report. I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus verify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy. According to : 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, According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than XXXX 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 2023-01-14 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: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14 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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, There is information that's on my consumer report that is a result of identity theft.I did not provide written permission, or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error, nor is my request to block being made on the basis of a material misinterpretation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : Fraud accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I look forward to your response. 




Respectfully Submitted, XXXX XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice.All Natural Alienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
On Monday XXXX XXXX, I received a phone call at XXXX by a XXXX XXXX claiming to be a representative from NCB Management Services XXXX calling from a XXXX area code number claiming that I owe some debts but refusing to tell me what debts. I didnt tell me my name at all and the last XXXX numbers of the phone number were the same as my social security number which was weird.The next day at XXXX, I got another phone call from the same area code by the name of XXXX XXXX claiming tXXXX be a representative from the same company and again I never revealed myself knowing that it was a scam. The next day, I received yet another phone call from the same area code number by the name of XXXX but again I never revealed myself and instead I told them I was the clients power of attorney and they still refused to tell me the nature of the call. I havent been paying any of my credit cards due to not working and I havent got anything from any debt collectors yet. I got scammed twice in XXXX and learned my lessons and did some research of my own to see what to look for as far as scams. The phone numbers that the scammers called me from are : ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: NV

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 accounts 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX CO XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TX

Complaint narrative:
I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.

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 2023-01-14 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: TX

Complaint narrative:
I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : I have requested numerous times for Equifax to properly reinvestigate the following accounts : Account Name : XXXX  XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days and XX/XX/XXXX Late XXXX days Account Name : XXXX XXXX XXXX Account # XXXX Payment history : XX/XX/XXXX Late XXXX days Equifax is aware they are reporting inaccurate information and continue to violate multiple violations, knowingly in violation of my consumer rights. 
I have requested for Equifax to provide me with proof of this alleged payment being late, as well as a detailed description of all reasonable procedures used in your reinvestigation process to determine the complete maximum accuracy of information reported on my credit report. Due to not providing proof of payment being late or lack of proof of payment being late, Equifax 's responsibility was to proceed with updating the payment history to paid as agreed never late ( PAANL ). 

In accordance with the Fair Credit Reporting Act, Equifax, has violated my consumer rights.

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

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15.U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA credit reporting agency, Equifax, is required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
I asked XXXX TransUnion and XXXX to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. 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 an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 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 non-monetary relief
Consumer complaint received 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC
State: FL

Complaint narrative:
response from XXXX XXXX financial did not provide proper documentation. Verifying my address, phone number, calls emails, or any statements is not validation of debt.See attached.

Company response to consumer: Closed with explanation