vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I XXXX XXXX : XXXX the living breathing man/ likeness of God Have disputed and challenged these inaccurate reports with the Department of Education XXXX XXXX DEPARTMENT OF EDUCATION XXXX DIRECT LOANS, I challenge all claims that I, XXXX and a debtor and or responsible for the any portion of the Public Debt of the UNITED STATES XXXX XXXX XXXX Am the living man and possess the security that was pledge for the Debtor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other variation or spelling of the ALL CAPS LETTER legal Fiction / Federally owned and created NAME Pursuant HJR XXXX of 1933 and the BANKRUPTCY ACT all debts are an obligation to the UNITED STATES OF AMERICA which is a Corporation. 
I act in accordance with the folllowing XXXX Supreme Court XXXX : XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX family last name am the public agent of record, without recourse and private sole beneficiary and executor of the Estate and NAME of the Private Business Trust XXXX XXXX XXXX ; the Secretary of the Treasury of the United States being its fiduciary/trustee. 

I, XXXX XXXX XXXX XXXX XXXX family name am a XXXX Private XXXX XXXX XXXX XXXX defined by Section XXXX of the Fourteenth Amendment to the Constitution for the United States of America said status having been protected by the former constitutionally created XXXX government outed as of XX/XX/year> ; and during the provisional military government temporarily imposed by the congressionally approved and confirmed Proclamation XXXX of XX/XX/year> -- -a Post -- -March XXXX 1933 Private American Non-Citizen/ National protected by Section XXXX of the Fourteenth Amendment to the Constitution of the United States of America XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent XXXX XXXX which was opened XX/XX/XXXX - CapitalOne Auto Finance which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX XXXX which was opened on XX/XX/XXXX - XXXX XXXX which was opened on XX/XX/XXXX - XXXX motors which was opened on XX/XX/XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
I received correspondence from a company called XXXX ( XXXX XXXX XXXX  ) stating that they validated a XXXX  furnished from LCI Consumer Center with a layout of inaccurate information they have an address that's not listed anywhere in my Consumer profile and a multitude of information not belonging to me. I have reached out to pacer via email in which they confirmed they don't validate any consumers information. So, I am aware that they are reporting inaccurate third-party information and violating my rights as a consumer. I need this company thoroughly investigated immediately I'm sure I'm not the only consumer this is happening to they are using several companies to do this such as XXXX XXXX XXXX LCI Consumer Center. This is my Final Attempt to get this matter resolved or I will be taking necessary steps and filing a complaint on each company with the Attorney General this is not Legal or Ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
My personal information, including my Social Security number, date of birth, and financial account details, was compromised in the breach, leading to the unauthorized opening of accounts and the accumulation of fraudulent debt in my name. 

The following fraudulent activities have occurred : Unauthorized credit card accounts have been opened under my name with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and 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 2025-01-12 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:
My personal information, including my Social Security number, date of birth, and financial account details, was compromised in the breach, leading to the unauthorized opening of accounts and the accumulation of fraudulent debt in my name. 

The following fraudulent activities have occurred : Unauthorized credit card accounts have been opened under my name with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I received around XXXX fraudulent charges on my debit card in a XXXX hr period and Wells Fargo has not given me a provisional credit, nor have they acknowledged my claim. Its been XXXX  days and they havent even started to look into my claims. I had to file XXXX separate claims as they refused to add all the transactions, stating they would not got through They in fact all went through totaling over {$XXXX}. They are only acknowledging XXXX of the fraudulent transactions. Everyone I speak to when I call, transfers me to someone who tells me to call back in a few days. Nothing is being done and I feel a police report needs to be made as Wells Fargo is doing nothing with my claims.

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 2025-01-12 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: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
This is the response to Case # XXXX and XXXX and is not a duplicate because the company never gave me what they requested .18 USC 1028A ( Aggravated Identity Theft ) : Placing a hard inquiry on my credit report without my explicit consent or written authorization XXXX constitute aggravated identity theft. This law prohibits the misuse of a person 's identifying information to engage i

n unauthorized activities. 15 USC 1681b ( Permissible Purposes of Consumer Reports ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit reports and hard inquiries may only be accessed for specific, legal
ly defined purposes. Your company must provide documented evidence showing that you had a permissible purpose under the FCRA to access my credit report.

15 USC 1681n ( XXXX XXXX for XXXX XXXX ) : If your company accessed my credit report without proper authorization or permissible purpose, this is a willful violation of the FCRA, and you may be subject to liability, including damages and attorney fees.

15 USC 1681i ( a ) ( Dispute Procedure ) : Under the FCRA, I have the right to dispute inaccurate or unauthorized entries on my credit report. This hard inquiry is unauthorized and must be removed immediately unless you can provide valid evidence of my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: PA

Complaint narrative:
I am filing a formal dispute against Experian regarding incorrect information on my credit report, which has caused a significant decrease in my XXXX XXXX. After obtaining my latest credit report in XX/XX/XXXX, I noticed that my XXXX XXXX had dropped from XXXX to XXXX. Experian reported that this decrease was due to XXXX past-due payments on a student loan taken out by my brother through XXXX Bank XXXX for which I am a cosigner. 

Upon reviewing the details of the report, I discovered that additional months were incorrectly marked as late, despite timely payments being made to XXXX XXXX, the new loan servicer. Specifically : XXXX. The student loan was transferred from XXXX to XXXX XXXX on XX/XX/XXXX. 
XXXX. Payments for the months marked as late were made on time to XXXX XXXX. 

Timeline of Actions Taken : XX/XX/XXXX : I filed a dispute with Experian ( Report Number XXXX ). Unfortunately, the dispute outcome did not correct the inaccuracies. 
XX/XX/XXXX : I opened a second dispute with Experian ( Report XXXX XXXX ), which also resulted in the same errors being reported. 
Frustrated by the lack of resolution, I contacted XXXX XXXX to clarify the accounts status. XXXX XXXX confirmed : They had not yet updated the credit bureaus. 
My brothers account was current, with no late payments. 
They recommended that I contact XXXX, as XXXX does not have access to the payment history from XXXX Bank. 
XX/XX/XXXX ( XXXX XXXX  ) : I contacted XXXX Bank and explained the situation. They opened an investigation, assured me they would notify the credit bureaus of the corrected payment history, and would send me a letter confirming their findings. 
XX/XX/XXXX : I received a letter from XXXX Bank stating they had contacted the credit bureaus to ensure the payment history reflected the correct information. 

Despite these efforts, when I received my new Experian credit report on XX/XX/XXXX, the same errors persisted. The report still shows XX/XX/XXXX as a late payment, even though the payment was made on time to XXXX XXXX. As a result, my XXXX XXXX remains unfairly low.

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am a victim of identity theft, as clearly documented by my official FTC Identity Theft Report ( FTC Report Number : XXXX ). Despite having informed Portfolio Recovery Associates of my documented situation, they continue to improperly demand notarized proof of identity theft. This request is not supported by the Fair Credit Reporting Act ( FCRA ), which does not require such proof when an identity theft report has been filed. Additionally, Portfolio Recovery Associates continues to report the disputed debt to credit bureaus. This debt is associated with a XXXX XXXX account, allegedly opened under my name with XXXX Bank, with a balance of {$XXXX}, which I never authorized nor recognized. This reporting not only violates my rights under Sections 605B and 609 ( e ) of the FCRA, which mandate the blocking of fraudulent information and the provision of documents related to fraudulent transactions without necessitating additional proof of identity theft, but also continues to harm my credit standing inappropriately.

I have actively engaged with both the credit bureaus and Portfolio Recovery Associates to dispute the fraudulent claims, providing them with all necessary documentation, including the FTC Identity Theft Report. Despite my efforts, Portfolio Recovery Associates has not ceased their collection attempts nor removed the fraudulent account from my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact existsXXXX XXXX XXXX XXXX ( XXXX ) XXXX states that any payments during XXXX are required to be deferred or forgivenXXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-12 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: TX

Complaint narrative:
Hello my name is XXXX XXXX and I am XXXX yr old. I have XXXX accounts on my credit report that are not mine. My father took out loans and credit under my ssn while I was at college. My dad is no longer in my life unfortunately but I have been hit with these debts that are not mine. My Mom did the best she could to pay these but with my dad gone we are under heavy debt as a family. The creditors agree that I never signed anything and I shouldn't be liable but it's still showing on XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agency drop these and stop reporting under my ssn as they are not mine XXXX XXXXXXXX XXXX XXXX XXXX balance XXXX XXXX XXXX balance 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 2025-01-12 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: TN

Complaint narrative:
The company violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) : Failed to conduct a reasonable investigation of disputed information after being notified of errors.

15 U.S. Code 1681i ( a ) ( 6 ) : Did not provide results of the reinvestigation within the required XXXX time frame.

15 U.S. Code 1681i ( a ) ( 7 ) : Failed to provide a description of the procedures used during the reinvestigation to determine the accuracy of the disputed information.

15 U.S. Code 1681e ( b ) : Did not ensure maximum possible accuracy of the information in my credit report.

15 U.S. Code 1681i ( a ) ( 5 ) : Neglected to delete or modify unverifiable or inaccurate information identified during the dispute process. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MINES XXXX  XXXX XXXX XXXX NEVER LATE ; INVALID ACCOUNT NUMBER SELF XXXX XXXX XXXX XXXX XXXX  XXXX NEVER LATE ; INVALID ACCOUNT NUMBER XXXX  XXXX Inquiry XX/XX/year> NOT MINE Employer XXXXXXXX  NOT MINES Despite notifying the company of these errors and submitting supporting documentation, no corrective action or adequate explanation was provided. The continued inclusion of inaccurate information is damaging and unlawful under the FCRA.

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 2025-01-12 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: TX

Complaint narrative:
I am writing regarding the above-referenced account currently appearing on my credit report. As I am nearing the final payment of this debt, I would like to request a goodwill removal of this account from all credit reporting agencies ( XXXX, TransUnion, and XXXX ) once my final payment is received. I appreciate your cooperation in resolving this matter and acknowledge your assistance throughout the repayment process. I believe removing this account from my credit report will serve as a XXXX  gesture in recognition of my efforts to fulfill the obligation in full.

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 2025-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Collection agency name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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