vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: NY

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 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 2024-02-20 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis reported accidents that belonged to my ex husband as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: Self Financial Inc.
State: MA

Complaint narrative:
As one of the inaugural customers of Self Lender, I am compelled to express my deep dissatisfaction with the company 's conduct. Upon perceiving questionable practices, I proactively requested the closure of my account shortly after its initiation. To my dismay, despite being assured that a check would be mailed to reflect the savings accrued, a late payment was inaccurately reported on my credit history. Subsequently, the account was abruptly closed, and my attempts to seek resolution through numerous calls were met with the company 's insistence on an unwarranted outstanding balance.

This experience not only raises serious concerns about Self Lender 's integrity but has also inflicted financial strain and adversely impacted my creditworthiness. Regrettably, this communication marks my final attempt to address these issues amicably before contemplating legal action. I implore the company to rectify the inaccuracies promptly and, in doing so, demonstrate accountability for the undue XXXX  and financial burden placed upon me as a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.

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 2024-02-20 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
DPT EDXXXX XXXX Balance : {$9500.00} ; DPT EDXXXX XXXX Balance : {$1600.00} ; DPT EDXXXX XXXX Balance : {$9600.00} ; DPT EDXXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$6400.00} ; DPT EDXXXX XXXX Balance : {$4000.00} ; DPT EDXXXX XXXX Balance : {$2400.00} ; DPT EDXXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT EDXXXX XXXX Balance : {$2000.00} ; DPT EDXXXX XXXX Balance : {$9100.00} ; DPT EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$4200.00} ; DPT EDXXXX XXXX Balance : {$6500.00} ; DPT EDXXXX XXXX Balance : {$2700.00} ; DPT EDXXXX XXXX Balance : {$5400.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.

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 2024-02-20 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
DPT EDXXXX XXXX Balance : {$9500.00} ; DPT EDXXXX XXXX Balance : {$1600.00} ; DPT EDXXXX XXXX Balance : {$9600.00} ; DPT EDXXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT EDXXXX XXXX Balance : {$6400.00} ; DPT EDXXXX XXXX Balance : {$4000.00} ; DPT EDXXXX XXXX Balance : {$2400.00} ; DPT EDXXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT EDXXXX XXXX Balance : {$2000.00} ; DPT EDXXXX XXXX Balance : {$9100.00} ; DPT EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$4200.00} ; DPT EDXXXX XXXX Balance : {$6500.00} ; DPT EDXXXX XXXX Balance : {$2700.00} ; DPT EDXXXX XXXX Balance : {$5400.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
this company is trying to collect a debt from me an they are not even licensed or bonded in the state of Georgia to even do so, also where is the original contract with my liquid signature on it? I need this account removed & deleted you all are committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My information was compromised during the XXXX Data Breach. I attempted to have falsely reported information removed on XX/XX/year> by contacting the companies directly. XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX XXXX  have yet to remove the data being reported to multiple CRA 's. I am a victim of identity theft and have yet to receive a written validation notice by any of the aforementioned companies.

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 2024-02-20 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00} XXXX XXXX XXXX Bal. Owned : {$1100.00} XXXX XXXX XXXX  Bal. Owned : {$990.00} XXXX XXXX XXXX Bal. Owned : {$2300.00} XXXX XXXX XXXX  XXXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00}

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 2024-02-20 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00} XXXX XXXX XXXX XXXX. Owned : {$1100.00} XXXX XXXX XXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2300.00} XXXX XXXX XXXX  XXXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
To Whom It May Concern : XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: I.C. System, Inc.
State: CA

Complaint narrative:
I do not have a cotract with Ic System Inc. and they have posted a collection on my credit report that is inacurate.I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$2200.00} Balance updated XX/XX/XXXX Original balance {$2200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - C PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
Subject : Dispute Regarding Mortgage Obligation Post-Divorce Settlement I am writing to formally dispute the mortgage listed on my credit report, as per the court judgment in my divorce settlement which mandates my ex-spouse to assume full responsibility for said mortgage. Kindly update my credit report accordingly to reflect this legally binding arrangement. Furthermore there are several reporting violations listed with said mortgage.

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 2024-02-20 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: AZ

Complaint narrative:
Hello, This has already been removed from my credit report due to fraud but the previous collection company sold this to another debt collection company and the new collection company put it back on. 

Please remove this immediately! This was already removed for fraud. Attaching all documents. 

Even the name is wrong of adding XXXX. I have only ever gone by my first and last name. 

I feel this came from the data breach which allowed someone to use my information. 

I keep my credit report locked.

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 2024-02-20 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/year> Reference # : 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 2024-02-20 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:
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 XXXX XXXX XXXX these account has violated my rights Account : XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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