vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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:
Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Experian is invading my privacy, I have had adverse events that have occurred due to the reporting of inaccuracies. I have also attached a police report to show my personal identifiable information was stolen. 

I would like for all of the addresses listed below to be TAKEN OFF MY PROFILE. The only address is the address listed on my XXXX Identification which is attached Addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The name listed below is inaccurate and is not the name on my identification - XXXX XXXX XXXX I would like for all of the accounts with balances for account number XXXX taken off my profile as there was no written consent to repost said accounts. 

Account XXXX- needs to be removed as this is a potential negative impact which is an inaccuracy due to this account being paid off. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

Account XXXX - Inaccurate and I don't owe this debt. Not my debt. 

I also received a notification on XX/XX/XXXX that I have a new address reporting which I have not ever been to the state of Virginia, nor do I know the people who reside at the address, this shouldn't be reporting on my account. DO NOT ADD THIS ADDRESS TO MY PROFILE ANOTHER INACCURACY. 

XX/XX/XXXX Experian has a New Address on your Credit Report. 
Experian has a new address on your Credit File : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Source : Experian Address : 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX appeared on my EXPERIAN 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 explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These 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, are not complete and accurate. 

XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX ) XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
The consumer reporting agency Experian is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to Experian that must be removed due to the accounts violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my Equifax credit report and noticed some incorrect information on my credit report. I noticed XXXX inquiries thats incorrect on Equifax credit report I believe someone used my personal information to apply for credit. 

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX Headquarters XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have read a review written at the portal of CFPB ( XXXX ). On it, your employee mentioned please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. It is fine to mention any service which has done by others for other person to be charged ; however, in this case, I have paid off all debt every month. As you must have checked my credit record to create a credit report, you must have checked my credit history officially ; therefore, it does not make sense you mention about credit repair company on my case. If you believe I need the service of credit repair company, you must have seen somebody else, who have bunch of debt and might be in danger of bankruptcy. In this case, I believe the necessary to ask the official investigation why your company employee considered I need the assistance of credit repair company, whose credit history this person has checked, and is that person, whom he/she has checked, has had the name, XXXX XXXX XXXX since I have the right to ask this legally sensitive question as a victim of identity theft. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, are not complete and accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more than XXXX years old and is not accurate XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more then XXXX yrs old and is not accurate XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion, XXXX, & XXXX continue to report XXXX collection accounts that they claim to have verified but provided no evidence to support their claims. Under Fair Credit Reporting Act the credit bureaus are required to provide this information to me to verify myself. Who exactly validated this information? Who did they speak with I would like this information to follow up myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX XXXX appeared on my TRANSUNION credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report 2 collection accounts that they claim to have verified but provided no evidence to support their claims. Under Fair Credit Reporting Act the credit bureaus are required to provide this information to me to verify myself. Who exactly validated this information? Who did they speak with I would like this information to follow up myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I got a watch through XXXX back in XXXX  I believe and I got it through finance with XXXX! I went in store and got the watch! It is the most expensive one they have but I never got to make a single payment because they never attached it to my account! I tried many times to make a payment and connect the watch to my account and somehow it was never attached my account always showed no payments and it showed the watch as paid off which it wasnt! I spoke to many people who said the watch would show up and I could make my payments but it never did! Now its on my credit as my fault when its their fault for never correcting the issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The consumer reporting agency Transunion LLC is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to TransUnion that must be removed due to the accounts violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collections continues to allege a debt that I owe that I do not. I have made no agreements or have any obligations under law to pay these allege debts. Credit Collections did not get any court orders stating I had to pay this debt which they need court authorization to collect this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The purpose of this letter is to advise you that an improper investigation for XXXX XXXX XXXX was conducted by your agency. 
You failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. 
Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. 
Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers.

Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.

Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report. 
If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I checked my credit report and I can still see the fraudulent account that I was requesting to get deleted and blocked. This account is damaging my credit and it's affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency Equifax is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to Equifax that must be removed due to violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NV

Complaint narrative:
I checked my credit report and I can still see the fraudulent account that I was requesting to get deleted and blocked. This account is damaging my credit and it's affecting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I checked my credit report and I can still see the fraudulent account that I was requesting to get deleted and blocked. This account is damaging my credit and it's affecting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

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