vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT NUMBER- XXXX To Whom It May Concern : I received a copy of my credit report and found this account above to be incorrect By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/2022 XXXX  # XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-06 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: VA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 non-monetary relief
Consumer complaint received 2024-06-06 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-06 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I saw they had XXXX different names on my report, with different spellings. They have XXXX different addresses ; some I've never lived. They have XXXX different employers on my report. They still have my ex-husband listed on my account, ( I been divorced since XXXX ) and XXXX different telephone numbers. I sent a letter to them with instructions and proof of information showing my current address, name and phone number. I informed the CRA 's of my current employment. The letter was sent on XX/XX/XXXX, CRA 's still have not cleaned up my credit report. After sending a second letter to one of the CRA 's providing them additional information that they requested, I sent the information, and I received a second letter asking for the same information all over again for the third time. I need all the inaccurate information removed off my credit report immediately.

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 2024-06-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
Upon review of my consumer credit reports from TRANSUNION, XXXX, AND XXXX, I noticed the following errors : Outdated address information. Incorrect names, and Unknown employers. 

I ALSO FOUND THE FOLLOWING ERRONEOUS INFORMATION WITHIN MY XXXX, TRANSUNION, AND XXXX XXXX REPORTS : account from XXXX  XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account from XXXX XXXX opened XX/XX/XXXX listed as an authorized user. I have never been an authorized user on and XXXX XXXX account. An account with XXXX XXXX XXXX XXXX XX/XX/XXXX. This account is fraudulent. An account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account with XXXX  XXXX XXXX  opened XX/XX/XXXX opened fraudulently. I have requested to be removed from a closes XXXX XXXX account opened XX/XX/XXXX as that account does not belong to me. An account that was sold to XXXX XXXX XXXX from original creditor XXXX  XXXX reported as opened XX/XX/XXXX is a fraudulently opened account. A collection account bought from XXXX XXXX by XXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. An account sold to XXXX XXXXXXXX XXXX  by XXXX XXXX XXXX  opened XX/XX/XXXX is a fraudulently opened account. 
FRAUDULENT INQUIRIES IN MY XXXX CREDIT REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - reported by XXXX, XXXX XXXX XXXX - XX/XX/XXXX - reported by XXXX XXXXXXXX XXXX  XX/XX/XXXX - reported to TRANSUNION XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX, TRANSUNION, XXXX XXXX XXXX XXXX - XX/XX/XXXX - reported to TRANSUNION and XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to XXXX XXXX XXXX - XX/XX/XXXX - XXXX to XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - reported to XXXX XXXX XXXX XX/XX/XXXX - reported by XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to XXXX Each account, and inquiry I have listed herein , are in fact fraudulent, as i did not provide consent to these companies to utilize any of my personal identifying information to establish an account, and/or provide services. 
I have been unsuccessful in my attempts to remove the fraudulent information from my consumer 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 2024-06-06 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: CA

Complaint narrative:
Upon review of my consumer credit reports from XXXX, EQUIFAX, AND XXXX, I noticed the following errors : Outdated address information. Incorrect names, and Unknown employers. 

I ALSO FOUND THE FOLLOWING ERRONEOUS INFORMATION WITHIN MY XXXX, XXXX, AND EQUIFAX CONSUMER REPORTS : account from XXXX  XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account from XXXX XXXX opened XX/XX/XXXX listed as an authorized user. I have never been an authorized user on and XXXX XXXX account. An account with XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. This account is fraudulent. An account with XXXX XXXX XXXX XXXX  opened XX/XX/XXXX. This account was opened fraudulently. An account with XXXX  XXXX XXXX  opened XX/XX/XXXX opened fraudulently. I have requested to be removed from a closes XXXX XXXX account opened XX/XX/XXXX as that account does not belong to me. An account that was sold to XXXX XXXX XXXX  from original creditor XXXX XXXX reported as opened XX/XX/XXXX is a fraudulently opened account. A collection account bought from XXXX XXXX by XXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. An account sold to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. 
FRAUDULENT INQUIRIES IN MY XXXX CREDIT REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - reported by XXXX, EQUIFAX XXXX XXXX - XX/XX/XXXX - reported by XXXX XXXXXXXX XXXX  XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX, XXXX, EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX and XXXX, EQUIFAX XXXX  XXXX XXXX XX/XX/XXXX - XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX, EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to XXXX XXXX XXXX - XX/XX/XXXX - XXXX to XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - reported to EQUIFAX XXXX XXXX XX/XX/XXXX - reported by EQUIFAX XXXX XXXX - XX/XX/XXXX XXXX reported to EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to EQUIFAX Each account, and inquiry I have listed XXXX XXXX are in fact fraudulent, as i did not provide consent to these companies to utilize any of my personal identifying information to establish an account, and/or provide services. 
I have been unsuccessful in my attempts to remove the fraudulent information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$490000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am not liable for this debt with LVNV FUNDING LLC. I do not have a Contract with LVNV FUNDING LLC. They did not provide me with the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I purchased online furniture and was allowed to apply for the record and even put things in my shopping cart. I later went and logged in the shopping cart was empty. And I was told a flat out misleading lie. I didnt have an account how can I be denied my own credit? I wasnt denied they got paid for the items I ordered them in attempt to defraud they claim. I didnt have account then it went I didnt qualify. Whatever lie they chose to try and continue to defraud is there issue. Im just seeking the things I chose to be delivered to address given. Without anymore attempts to defraud or steal. I will not play how much do I know legal games with the company. If ALL/EVERY item I chose I wish to be delivered to me XXXX hours from day they receive this complaint / notice thats is being given on a government platform. To start sending me my past, current and future debts. That way I can buy ky own furniture etc I do not want to be contacted unless their trying to set up a deliver date and where to send my debts. In the order stated if we can come to a swift fair. Ethical decision and agreement then I look forward to speaking to someone. This is a NOTICE as well as a complaint. I got the furniture for. Business I have and due to all this, it has hindered my business from moving forward and lost of potential income. Which goes into federal tort cause of action claim/complaint.

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 2024-06-06 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:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$490000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}

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 non-monetary relief
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$490000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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