vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have information on my credit report that does not belong to me. I have been a victim of identity fraud. Here are my FTC reports. 


XXXX report XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX report XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$370.00} inquiries XXXX XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and i notice there is unauthorized credit inquiries made by the companies listed I never authorized and for no legitimate purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, convergant account # XXXX, XXXX, XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at 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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In light of the newly acquired information, it is imperative that American Express establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer has also mailed complaint and judgement of default to California XXXX office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with XXXX, XXXX and Experian. Experian continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Experian has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Experian. Reason for this complaint is that Experian continues to report wrongful and disputed information on consumer report. Consumer has notified Experian of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Experian is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

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 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the following names off my report : 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 explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
transunion did not provide proof of valid debt for 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 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I sent a registered security to Southeast Toyota and its indenture trustee, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I offered both of them 14 business days to answer. I called both parties on XX/XX/XXXX, and Toyota had no idea what I was talking about. I called XXXX XXXX several times ( for 5 days straight ) and each time I got a message. I then resent all of the documentation ( it was a pretty large packet )! I repeated the method and nothing happened. Toyota repossessed my vehicle on XX/XX/2023. Toyota and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not returned my documents. This is a particular kind of securities fraud. 
I still have copies of the registered securities and will resend them if necessary. I don't want anybody to have access to my personal information through this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
transunion did not provide proof of valid debt for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
transunion did not provide proof of valid debt for 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 2023-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am writing this letter to bring to your attention a matter of grave concern regarding your recent communications with me in relation to an alleged debt. It has come to my attention that your company may have violated several laws outlined in the Consumer Financial Protection Bureau 's ( CFPB ) guidelines, specifically under CFPB 1006.34 regarding the Notice for Validation of Debts. This violation pertains to the failure to provide essential information about consumer protections and consumer-response information, particularly the omission of required dispute prompts. 
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX, XXXX, and trans union are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.

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 2023-09-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, equifax, and XXXX XXXX are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
In XXXX of this year, my partner and I went to XXXX XXXX XXXXXXXX XXXX. I used my Discover credit card there, and came home to find someone had used my credit card with a purchase at a XXXX XXXX XXXX XXXX, with a fake address. I disputed this claim and was refunded, and closed my card. This occured XX/XX/XXXX. I have had XXXX more charges at this XXXX XXXX XXXX XXXX. I have never used my credit card for a {$140.00} XXXX XXXX purchase and there is absolutely no subscription they offer, even if for that much. Discover refuses to refund me the money, and I keep telling them it is not me purchasing anything for {$140.00}. So now I have XXXX charges for {$140.00}, and XXXX that I have now had to pay back, XXXX happening on XX/XX/XXXX which was my nost revent dispute, and NOW a XXXX for XXXX last week on XX/XX/XXXX, which I didn't even go to a Market District then! They refuse to dispute me and keep letting the merchant win, calling the charges valid. This has happened 3 times with the exact same amount in multiple months. I can't even afford to spend {$140.00} at a XXXX XXXX! There are no addresses or anything tagged with these charges which there usually is. No information, nothing. I have already had my card stolen by a skimmer once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Found out near the end of XXXX that my Experian credit score tanked by XXXX points. A possible result for the decrease was from an opened credit account in XX/XX/XXXX that opened for 2 years and ended on a late payment of 120 days in XX/XX/XXXX. 

From my best recollection, I was not physically in the United States for longer than 20 days, and am unable to open a credit account as I did not have an SSN and only visited the US as a dependant with my family using a visitor visa before XXXX. 

From this, I believed it to be a mistake or fraudulent account and attempted to dispute this with Experian, I received a result from Experian on XX/XX/XXXX stating that the dispute had been denied as XXXX presented " evidence '' and certified that the information was accurate. 

I was guided to find the " evidence '' from the company that reported the information " XXXX '', and attempted to do so in person at a local branch. The investigation was escalated to the Texas main branch of XXXX, but the personnel stated that they could not find a record of the said credit card account being opened or closed from XXXX. 

I brought the new information to Experian with a new dispute claim and requested a review, requesting the evidence that XXXX would show to Experian to refute my dispute. 

The result from Experian on XX/XX/XXXX was various other records from my credit history being removed, however, the Credit Card account has not been removed. They also did not provide any information on what evidence XXXX used to certify that the information was accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote XXXX, XXXX and Transunion on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation

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 2023-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Genesis FS Card has called me XXXX XXXX times in the last XXXX days. They called me XXXX of those times on Saturday, XX/XX/XXXX. I have already asked them on numerous occasions to stop calling me and have blocked them each time they have called since then. They are using a different number each time they call and have used spoofed numbers with my area code and neighboring area codes in an attempt to get me to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Information on my credit report remain inconsistent and inaccurate despite my request to the credit bureaus to have them removed. The XXXX XXXX XXXX failed to validate the debt they are trying to collect on me and i was never notified of such collection activities until i discovered them on my credit reports.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Information on my credit report remain inconsistent and inaccurate despite my request to the credit bureaus to have them removed. The XXXX XXXX XXXX failed to validate the debt they are trying to collect on me and i was never notified of such collection activities until i discovered them on my credit reports.

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 2023-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: MN

Complaint narrative:
On XX/XX/2023 I got a loan for XXXX $ so I could consolidate some bills. The site says you are encouraged to pay more than the minimum payment. On XX/XX/2023 I paid XXXX $ towards the loan. On XX/XX/XXXX I paid XXXX $ towards the money owed. So I looked at credit reports and I am over the limit! This has been reported. So I paid XXXX $ since I got the loan only to be both over the limit and more in debt. I am a senior citizen of XXXX and I needed the money for an emergency. I have a house payment and home insurance to pay and a cyberstalker who steals from me. I wont be able to eat much next month as I will have to pay them first. I have medical issues and I think its wrong since XXXX of XXXX I paid XXXX $ in their handling fee. I know they cant operate in my state of Mn now as I called Dept of Commerce snd they recommended I file here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XX/XX/2019 is reporting no balance and a charge off which is gendering my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer has requested several times for Transunion to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Transunion continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Transunion is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report 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.

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