vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-23 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CT

Complaint narrative:
My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( XXXX ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise Experian seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.

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 2024-04-23 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: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( XXXX ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise XXXX seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CL Holdings LLC
State: CT

Complaint narrative:
My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( s ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise XXXX seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: UT

Complaint narrative:
I received an email not a letter by mail from Experian which shouldve been sent to me by mail for my personnel records. Experian states and I Quote Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. Theres no limited information on my credit report. This dispute is clearly self explanatory on my credit report. Experian didnt investigate nor bother to resolve these unauthorized inquiries. Experian is in violation of 15 U.S. Code 1681 n 15 U.S. Code 1681o. I am writing to dispute certain information contained in my credit report as provided by Experian. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) and relevant sections including 15 U.S. Code 1681o and 15 U.S. Code 1681n, I am requesting an reinvestigation into the accuracy of the following items : XXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX According to FCRA Section 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into the disputed items upon receipt of a consumer dispute. This investigation must include reviewing all relevant information provided by the consumer and communicating with the data furnisher ( s ) responsible for reporting the disputed information.

Furthermore, FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) mandates that if the results of your investigation determine that the information is inaccurate, incomplete, or can not be verified, you must promptly delete that information from my credit file. Additionally, you are obligated to provide me with a free copy of my credit report reflecting the changes made as a result of the investigation.

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 2024-04-23 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: IL

Complaint narrative:
I opened several disputes due to inaccurate reporting on my credit report with the creditor XXXX XXXX XXXX XXXX XXXX XXXX as well as Experian, XXXX, XXXX. 

They never completed an investigation nor did the provide verification that the payment was late. 

I submitted bank statements and photocopies of the check that I paid them which was cashed well before the statement even closed in XXXX XXXX XXXX, and was in excess of the entire statement balance. The check was cashed a few days after I sent it, but was not applied to my account for months. 

I sent the credit beuaurs letters via certified mail and included a copy of the bank statement, check, my drivers licenses and a health insurance bill showing proof of address. 

To that, the credit agencys sent back a letter stating that they would not open a dispute because they beliebe this was sent from someone other than me. 

I again sent it and they never replied, therefore under FCRA this item needs to be removed from my credit report as I was never late XXXX or XXXX days. The bank lost the check and took months to properly apply it to my account. 

Additionally, even at the time the check was found and applied to my account, it would not have been XXXX days late. 

Thanks,

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 2024-04-23 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company has been garnishing nearly {$8000.00} of my wages for about year for a {$5000.00} debt. Ive been trying to schedule a court hearing since last year to dispute it. The company wont respond and the judge is not doing anything about it. I even emailed both parties to stop garnishing my wages and refund the difference. The judge assistant response was to contact the companys office which I did, but I didnt get any response. Please help me to get the company to stop garnishing my wages and refund me the difference while I wait for my day in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: MI

Complaint narrative:
i recently checked my credit report and it said i had XXXX collection accounts one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a total of {$310.00} XXXX i have never been associated with this company nor had i ever had an account with them also theres one from ( XXXX XXXX XXXX XXXX for a total of {$1400.00} XXXX i would like for these accouynts to be removed and deleted from my report i already put an fraud alert on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: MI

Complaint narrative:
i recently checked my credit report and it said i had XXXX collection accounts one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$310.00} XXXX i have never been associated with this company nor had i ever had an account with them also theres one from ( XXXX XXXX XXXX XXXX for a total of {$1400.00} XXXX i would like for these accouynts to be removed and deleted from my report i already put an fraud alert on there

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 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc
State: NJ

Complaint narrative:
I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XXXX XXXX, 2023, I fell victim to a multi-layered scam operation orchestrated by criminals posing as representatives from my Bank and XXXX ( the Fraudsters ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilising your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Westcreek Financial
State: IL

Complaint narrative:
I have spoken with the below mention companies advising that i'm not the account holder and not open the account. The XXXX  police report number ( XXXX ) was completed regarding this matter and the items have not been removed from my consumer report. 

XXXX - {$1800.00} and another account {$790.00} XXXX- {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter of XXXX. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. Federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

I have been maintaining detailed records of all my correspondence with you. You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. 

For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 

The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Please delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

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 2024-04-23 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: IL

Complaint narrative:
There are some fraudulent account on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-23 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: AZ

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief