vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
The 2 XXXX XXXX XXXX accounts and the XXXX XXXX XXXX account was opened as a result of identity theft. I did not open the account I filed an identity theft report and sent the information to the agencies I filed a dispute and the original account was removed. I do not know why it came back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing this letter in reference to these accounts below. That affects me greatly and shows on my credit report. These accounts show up on my credit record since I was victim of identity theft and had my information hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have now attempted twice requesting XXXX  to send me the XXXX file containing the XXXX XXXX XXXX allocations/payment history given their website will not show the information to me. On their website if I open the file it does not contain information, when I requested that they send me the file either to my email or through their own portal they have now refused twice. The first time they stated I needed to call in, but it is an electronic file I am looking for - calling does absolutely nothing. In their 2nd response it now appears XXXX is extorting me stating they are refusing to provide the requested data since my loans are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NV

Complaint narrative:
Penn Credit Corporation has repeatedly added a debt I paid over two years ago back on to my credit report. I keep disputing it and having it removed but they are relentless. On top of that, the original debt was less than XXXX $ which to my understanding isnt even allowed to be put on a credit report but they keep lying and saying the original debt was over XXXX XXXX And they put a higher number every time they re-report it. Even knowing they werent supposed to do that I still paid over double the original debt to them 2 years ago just to make them stop but they still continue to keep adding it back to my report every few months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I filed a dispute through XXXX XXXX regarding a debt that has been placed on my credit report that i do not recognize and that this collection account has been placed by 2 seperate collections within 7 days of each other and shows a simular amount but does not identify who originally submitted this alleged debt for collections my first dispute i made to transunion about having no knowledge of this debt and the response to my dispute stated that the information regarding this collections is accurate and the debt belongs to me and complies with the consumer fair credit reporting and that my dispute is closed and no changes to my credit report will be made and so i submitted another dispute regarding having 2 collections on my credit report for what appears to be the same debt and the lack of information regarding who sent this debt to 2 collection agency 's also these collection agency 's call me several times a day 7 days a week they will sometimes call right back from a simular numbers and call from numbers that come up as potential spam numbers or restricted number i have taken photos of a few of the calls in my call history to show an example of the frequency in which i am being harassed by these collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I filed a dispute through XXXX XXXX regarding a debt that has been placed on my credit report that i do not recognize and that this collection account has been placed by 2 seperate collections within 7 days of each other and shows a simular amount but does not identify who originally submitted this alleged debt for collections my first dispute i made to transunion about having no knowledge of this debt and the response to my dispute stated that the information regarding this collections is accurate and the debt belongs to me and complies with the consumer fair credit reporting and that my dispute is closed and no changes to my credit report will be made and so i submitted another dispute regarding having 2 collections on my credit report for what appears to be the same debt and the lack of information regarding who sent this debt to 2 collection agency 's also these collection agency 's call me several times a day 7 days a week they will sometimes call right back from a simular numbers and call from numbers that come up as potential spam numbers or restricted number i have taken photos of a few of the calls in my call history to show an example of the frequency in which i am being harassed by these collections

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 2024-11-01 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: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX  accounts and the XXXX XXXX XXXX account was opened as a result of identity theft. I did not open the account I filed an identity theft report and sent the information to the agencies I filed a dispute and the original account was removed. I do not know why it came back

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 2024-11-01 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: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX accounts and the XXXX XXXX XXXX account was opened as a result of identity theft. I did not open the account I filed an identity theft report and sent the information to the agencies I filed a dispute and the original account was removed. I do not know why it came back

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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This company accepted a settlement and agreed to delete the collection from all 3 credit bureaus. Its still showing up on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. 

Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Financial Assistance Inc
State: VA

Complaint narrative:
On XX/XX/XXXX. I was in the process of buying a house, and after getting the closing going, I was informed that I had a collection for {$750.00}. I was blindsided by the information, as I had no collections at the time of the application or in the home buying process. I contacted FAO on XX/XX/XXXX. I mailed a debt validation letter to FAI, disputing a collection account on my credit report. FAI had already placed a collection on my credit report without prior verifying the debt. The mailed a letter to an address that was not associated with me and expected me to acknowledge the letter when I never got knew about the collection or had time to validate the debt or respond. I sent them a debt valid letter they ignored me and placed the item on my credit report. I am seeking the firm to be held liable to the FCRA law, and the fact that this is a clear violation of the FCRA Law- 15 U.S.C. 1692 If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ). 
Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I have been refunded by affirm for rims that I received damaged from XXXX XXXX I received an email from them stating that I won the dispute and they would be reimbursing me for the previous 2 payments that I made and also canceling all future payments, but they are still reporting to XXXX that the account is still open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing this letter in reference to these accounts below. That affects me greatly and shows on my credit report. These accounts show up on my credit record since I was victim of identity theft and had my information hacked.

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 2024-11-01 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: NY

Complaint narrative:
I am writing this letter in reference to these accounts below. That affects me greatly and shows on my credit report. These accounts show up on my credit record since I was victim of identity theft and had my information hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been refunded by XXXX XXXX XXXX that I received damaged from XXXX XXXX I received an email from them stating that I won the dispute and they would be reimbursing me for the previous 2 payments that I made and also canceling all future payments, but they are still reporting to Experian that the account is still open

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 2024-11-01 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: IN

Complaint narrative:
I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Fraud was detected on my account and Wells Fargo has did nothing but open claims a then close them with no resolution.

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 2024-11-01 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:
I am following up on a previous complaint regarding Experians failure to properly investigate and correct inaccurate items on my credit report related to the XXXX data breach. I recently submitted a dispute to Experian to remove unauthorized accounts and outdated personal information, but Experian has failed to take appropriate action. EXPERIAN HAS KEP FRAUD ADDRESS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) WHICH I NEVER LIVED AND HAS UUST MARED DISPUTES AS VERFIED ( 2 ) DAYS AFTER SUMITTING LEADING THE CFPB TO THINK INVESTIGATION IS ACCURATE. 

EXPERIAN HAS LEFT ME WITH NO CHOICE TO DISPUTE BY MAIL OR ONLINE AS THEY SNED A PAPAER NOT ALLOWING THE DIPSUTE FROM DATAT BREACH I WILL SUE EXPERIAN FOR ALL OF THE DAMAGE. HERE IS PROOF CFPB OF DATA BREACH FAILUR TO ADDRESS DISPUTES AND MULTIPLE LIES After my dispute, Experian returned one account as " verified '' without providing any proof of a thorough investigation, despite my assertion that this account was a result of the breach. In addition, Experian has not removed the outdated addresses I requested to be deleted, leaving inaccurate information on my 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 explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The address I provided matches the address on record because of perpetrator lived in the same address as me from XXXX. I was in an extremely abusive relationship, which I have explained over XXXX times and provided evidence of including police reports, warrants, arrest records, and restraining orders. I was forced to call and dispute late fees by this perpetrator whose information I provided ( XXXX XXXX XXXX ). Payments were made on the account by the perpetrator until he was arrested in XXXX  as shown by the arrest record I provided to XXXX dating back to XXXX

Company response to consumer: Closed with non-monetary relief