vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-01 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: TX

Complaint narrative:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: MO

Complaint narrative:
This company continues to XXXX  computerized investigation of my disputes accounts that i requested to do a full verification and show me proof but this contine comtinue to violate my consumer rights under the FCRA laws. 15USC 1681b you are obligated to provide me with this information as long as it is requested for a permissible purpose under the law.

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 2023-09-01 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: IA

Complaint narrative:
I'd like to emphasize that the failure to complete a proper investigation into the disputed items on my credit report is not due to any lack of effort, documentation, or communication on my part. I have diligently followed the protocols outlined by the Fair Credit Reporting Act ( FCRA ), including the submission of all requested documents like the identity theft affidavit and police report. Despite having provided all the necessary information within the required timelines, the investigation remains incomplete, and certain issues have not been rectified.

It is crucial to note that under Sections 611 and 623 of the FCRA, the responsibility for conducting a thorough and timely investigation lies solely with the credit reporting agency and the data furnisher. Their failure to do so within the mandated 30-day period constitutes a violation of federal law. Such an oversight should not be blamed on the consumer, particularly when said consumer has made every effort to cooperate and provide all requested documentation promptly.

This lack of timely resolution negatively impacts my financial well-being and violates my rights under the FCRA. As such, I reiterate my request for immediate action on the aforementioned issues. Your prompt attention to correct these shortcomings is not only crucial for my financial health but is also mandated by law.

It is deeply troubling and unfair that despite having done everything within my power to prove identity theft, I am the one paying the price for someone else 's criminal actions. I have submitted all the necessary documents, including a police report and an identity theft affidavit, to not just prove that fraud has occurred but also to protect my legal rights. The emotional and financial toll this has taken on me is significant. My ability to secure credit, rent a home, or even secure employment is being jeopardized through no fault of my own. It is unacceptable that even after demonstrating that my identity was stolen, I must still contend with an incomplete investigation and a credit report that does not reflect the truth. This is not only a gross violation of my rights under the Fair Credit Reporting Act but also a failure of the system that is supposed to protect consumers from precisely this kind of victimization. Therefore, I strongly urge you to promptly rectify these issues in compliance with federal law and ethical responsibility.

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 2023-09-01 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX has reported on my credit, that I have a collection account. Jefferson Capital systems. I have disputed this many times. Still it remains on my credit report.Im not aware of this account nor did I ever open this account. Im really frustrated because it's affecting my credit score. It's really damaging my credit history. Ive called the Jefferson ca [ ital systems, they say they are just collecting on behalf of XXXX. Ive never owned a XXXX account or phone. This must be fraudulent. I have explained this to XXXX many times but they say the same thing to wait until results of dispute are available. Once they are they say dispute them. It's very stressful. Id appreciate if you can help me with this problem I'm having and is affecting my life in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: IN

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Turned vehicle off constantly putting me outta work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$48.00}.

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 2023-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
I have reviewed my credit report and have identified multiple instances of inaccurate information, including the difference in the extra fees and or interest charged. There is no reasoning behind the sporadic amounts. For example, in XX/XX/XXXX the extra charge was {$20.00}, in XX/XX/XXXX {$16.00}, XX/XX/XXXX {$26.00}, Each month it fluctuates and no sense can be made of it. I am attaching the documentation with my complaint today. I have disputed this information with the credit reporting agency, XXXX, XXXX, and XXXX, but the creditor/collection agency has failed to investigate and correct the inaccuracies within the required XXXX timeframe, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 12 C.F.R. 1022.41 ( a ) Furthermore, the creditor/collection agency has failed to provide accurate and complete information to the credit reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 12 C.F.R. 1022.42. Specifically, they have failed to report the correct amount owed, which has resulted in inaccurate credit utilization ratios and a lower credit score. Additionally, the creditor/collection agency has failed to provide clear and conspicuous notice to me of the availability of my credit reports and the procedures for disputing inaccurate information, in violation of 15 U.S.C. 1681g ( a ) and 12 C.F.R. 1022.43.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have no agreement with Radius Global. I never provided them with my contact information however, they have sent a text message to my phone.

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 2023-09-01 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-01 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-09-01 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: ND

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


Thanks 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 2023-09-01 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: CA

Complaint narrative:
I sent a dispute letter on XX/XX/XXXX asking why they are reporting incorrect information on my credit report. It shows 1 late payment on my report which is incorrect and I confirmed this with my lending company. The company Experian responded by saying the confirmed that its is correct. I asked them how are the confirming this with lending company without my consent and provide proof on how the investigation was conducted. Under the Fair Credit Reporting Act laws. They reported my account as late for the month of XX/XX/XXXX & XX/XX/XXXX. They updated XX/XX/XXXXand left XX/XX/XXXX as still showing late. This is an error in their end.

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 2023-09-01 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 2023-09-01 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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


Thanks 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 2023-09-01 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: TX

Complaint narrative:
XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEDCAH, Inc.
State: HI

Complaint narrative:
MEDCAH, Inc. contacted me and told me that I owe to XXXX XXXX XXXX XXXX XXXX  DMV as of XX/XX/23 of {$430.00}. I believe this amount is the cost of my car registration. 

However, on XXXX  I went to the XXXX XXXX XXXX XXXX  and renewed my car registration. 

This should not have been sent to the debt collector, it caused my XXXX XXXX to rise unnecessary, I would like to complain about this debt collector company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
There is a Fraudulent Account on my credit report with BMW Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have been payments to One Main Financial for over 5 years and the principal interest is still the same. When I am late on my payment I feel like I am being forced to refinance. They would offer me more money and the interest is higher. They keep offering refinancing or demand me to come up with payments otherwise they will repossess my vehicle. At the time I had no choice but to refinance or they will take my vehicle. Im so sad as I feel that I will paying a {$17000.00} loan for the rest of my life.

Company response to consumer: Closed with explanation