vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
XXXX XXXX XXXX ; XXXX ; XXXX others Date : XX/XX/XXXX EXPERIAN CREDIT BUREAU XXXX XXXX Department From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my EXPERIAN credit report. The following are the details of my dispute : Dispute XXXX : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute XXXX : XXXX XXXX XXXX Bank Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX ; XXXX others Sun XX/XX/XXXX XXXX PM Reply Reply all Forward SC XXXX XXXX Tue XX/XX/XXXX XXXX XXXX ( No message text ) SC XXXX XXXX Thu XX/XX/XXXX XXXX XXXX ( No message text ) SC Your Inquiry to XXXX  D XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You Mon XX/XX/XXXX XXXX PM Thank you. I look forward to hearing from you. 
Thank you. I appreciate your help. 
I look forward to your response. 

XXXX XXXX SERVICES XXXX XXXX XXXX XXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the XXXX XXXX XXXX XXXX XXXX and leadership members at XXXX. To ensure your concerns are adequately addressed, your email has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at XXXX. 



After our investigation, we have determined that this account and balance do not belong to you. You were a victim of the XXXX XXXX data XXXX and this is an account established due to that data breach. We will send the request to the XXXX major credit bureaus to delete this record. 



If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXX a.m. to XXXX p.m. ( ET ). 



Sincerely, 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 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The statement for the period ending XX/XX/year> XXXX XXXX  XXXX XXXX failed to reflect approximately XXXX points that were earned during the statement period.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows. 
Please delete any other references to names as they are not mine and I have never used any of them. 

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX Phone Number 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 2024-11-18 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: IL

Complaint narrative:
XXXX, I formerly disputed the inaccurate information reported on my credit report under the fair credit reporting act ( FCRA ), specifically referencing 15 u.s.c 1681 2 A ( i ), 15 u.s.c.1681 E ( B ), and 15 u.s.c 1681 S ( 2 ). THESE CHARGE OFF Accounts 1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX  XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX  XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX  XXXX XXXX These Debts is considered Charged -Off However, This is actually considered income because I should've received a 1099-C for them all in order to account for them as income. This is not a charge-off. I'm requesting that all 12 accounts is removed because it isn't debt this is considered Income and Income should not be reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On XXXX and XXXX of 2024 the named repossessed my private automobile. Your company has used deceptive and intimidating tactics that violate the FDCPA and I am noticing you of a lawsuit. 
The company had no standing as I did not sign or promise to offer the automobile as collateral security for the " loan ''. I am demanding the reinstatement amount and for the companies to show Cause under penalty and perjury. 
XXXX. It is a fact that the Negotiable Instrument known as the loan agreement was endorsed " WITHOUT RECOURSE ''. 
XXXX. It is a fact that XXXX XXXX, gave you lawful notice and presented terms prior to your company signing the negotiable instrument/ XXXX. It is a fact that XXXX XXXX gave you time to answer and rebut all his claims but you did not do so on ALL occasions. 
XXXX. It is a fact that XXXX XXXX is the holder in due course and has a filed XXXX XXXX on the automobile. 
XXXX. It is a fact that the negotiable instrument has cash value for the same amount your company is claiming they loaned XXXX XXXX. 
XXXX. It is a fact your company can not prove any injury because the negotiable instrument aka the application has cash value and is redeemable at the Fed window for the amount on the instrument. 
XXXX. It is a fact that as per the OC XXXX agreement that if the application/ negotiable instrument has the same cash value then this is a credit swap. 
XXXX. It is a fact that you returned tendered payments from XXXX XXXX and XXXX refused them in violation of the XXXX which makes the debt paid in full. 
XXXX. It is a fact that you denied XXXX for hurricane relief to XXXX XXXX on a recorded line with your agent. 
XXXX. It is a fact that the endorsement " without recourse '' means that I did not waive my security rights, I did not place the automobile as collateral, I did not agree to credit reporting. 
XXXX. It is a fact that if I did not waive any rights in # XXXX then I am owed my securities from the repossessed automobile in the amount of the loan and all interest, you are to delete all credit reporting and delete the account in total and return the automobile. 

You ( Foursight ) have repossessed my automobile with XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX GA XXXX. 
My fee is {$1500.00} for the tow and {$1000.00} per day as printed in the news paper and noticed to them. return my automobile and erase the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX XXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX XXXXXXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX XXXX XXXX ( LAST REPORTED 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 2024-11-18 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 explanation
Consumer complaint received 2024-11-18 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-18 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: CO

Complaint narrative:
A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX and Experian credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information includes accounts at XXXX, XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX which I did not authorize, open, make, or initiate in any way. The details of the fraudulent information are as follows : XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXXXXXX XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX  Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. These accounts are the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize these accounts, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. These cases establish my right to a fair and accurate credit report and affirm the duty of XXXX to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer FICO credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.

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 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
About 4 years ago when I was married. My partner and I visited a gym we're looking into memberships at that time I left wondering around touring the gym myself and he was handling the memberships, presumably what happened isn't that he signed me and him up for the membership for this gym that I did not know that I was a contracted or anything I just trusted his judgment on that up until we he didn't want to pay and had no idea it was even in contract that he signed for me under my name. Attempted many times to try to tell the company what happens they keep ignoring me or giving me the one around

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-18 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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-18 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:
In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2024-11-18 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX PA Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 2024-11-18 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/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 explanation