vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies, hurting my credit score and may also suggest potential identity theft adding more harm to me. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am not connected to the creditors referenced, and these inquiries do not pertain to me.

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 2024-09-18 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, l'Il take legal action against you. FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.

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 2024-09-18 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, l'Il take legal action against you. FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.

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 2024-09-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In the process of working on cleaning up credit and got credit report for myself only to find out that someone had run my credit, dropping it XXXX points. I did not authorize this report to be done. 
XXXX XXXX XXXX ran my credit on XX/XX/year>, without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Trying to log in an existing account with Experian. Won't allow me into my account -- says can't verify. Won't allow me to talk to a real person and none of the online or phone things they want me to do is helping. Not real happy right now considering there was a recent data breach!!!!!! Experian has had issues in the past with being hacked so am concerned that something is wrong. XXXX help and satisfaction from this company!!!!!!

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 2024-09-18 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/scrub>XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/scrub>XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gusdorf Law Firm, LLC
State: MO

Complaint narrative:
I defaulted on a car loan by choice and allowed the car lot to repo the car ( after they refused to fix the car issues, I believed they created ) the total amount for the car was roughly around {$8000.00}. Once repossessed they sold the car for XXXX XXXX amount of dollars Im not sure but later roughly XXXX I was garnished roughly about XXXX XXXX pay period until debt was paid. They paused the garnishment for a small time period then continued with the garnishment order until debt was satisfied. I called XXXX car lot to confirm it was paid off. Asked could they remove it from my credit report they said absolutely and they held up their end of the bargain. I then called Gusdorf law firm and asked them to confirm this was paid and they did. Fast forward til today. My bank account assets were frozen XX/XX/XXXX and This law firm gusdorf law firm a debt collection agency had frozen my funds and claim I owe over {$23000.00} I was told if I call and make payment arrangements The hold on my bank account would cease.. I absolutely WILL NOT pay or make payment arrangements for something I dont owe they have attempted to garnish my check a few years ago but I lost my job.. they are breaking several rules.. right now Im working on proof that this was paid but no company is responding right now and possibly because it has been over XX/XX/XXXX yearsPlease help! I know my rights and laws and this is blatantly disrespectful

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
IN THE MATTER OF XXXX XXXX XXXX NOTICE AFFIDAVIT OF FACT : NATIONALITY STATUS AND IDENTITY THEFT For the record, I am XXXX XXXX XXXX XXXX, a natural person, in full life, in propria persona, XXXX XXXX. My nationality/ citizenship is XXXXXXXX XXXX, being an aboriginal and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, and a foreign national inhabitant near corporate XXXX XXXX, Florida republic. I come now making, a special appearance as an authorized representative, ex-rel.of the artificial corporate person nom de guerre XXXX XXXX XXXX XXXX XXXX 
NOTICE OF FACTS I am a XXXX XXXX  XXXX, domiciled at XXXX XXXX XXXX XXXX XXXX XXXX Florida republic [ no zip code ] My date of birth is XXXX. The Social Security Number ( XXXX XXXX ) has been made public without my consent, constituting a severe breach of my privacy and potential identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. The FTC Report number is [ FTC REPORT NUMBER ]. On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX acting as Chief Executive Officer ( CEO ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, requesting the blocking and removal of fraudulent information from my consumer report. I have explicitly requested the removal of the following fraudulent account from 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 2024-09-18 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: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-18 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX 



Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$3000.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 



Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX was my second time reaching out to the XXXX major credit bureaus about this credit card that was fraudulently placed on my account. I've asked for proof of this debt and proof that it was me who opened this account and the only response I have received back is either the information is confirmed or that the creditor may not have my information to reach out to me. stalling I even furnished them with my police report 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 explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$720.00}. a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$530.00}. a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}. A personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$720.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of XXXX. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$990.00}. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$1900.00}. a account at XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$240.00}, a personal credit card account at XXXX XXXX opened on XX/XX/XXXX in the amount of {$0.00}. a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$230.00}. a account with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: PA

Complaint narrative:
Today, XX/XX/24 someone called me from a local area code-XXXX. This person stated my name and wanted to verify where I lived. I asked for what purpose. They said due to a debt and needed to supeona me. I said, excuse me? Then they hung up. I called back. Another guy said the same. Told me it was from a debt with Discover Card ( I never had one ). Said it was from XXXX and also recited my XXXX number. I did state I never had one. He said it was from XXXX, CA. Then he hung up. 

I called Discover, they had no accounts in my name for credit card or bank. I got a XXXX XXXX  account and also fraud alerts by the 3 credit bureaus. 

Then reach out to you all to report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
Yo Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through USPS XXXX or XXXX is just too much of a hassle Thanks for gettin me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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 2024-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am writing to formally lodge a complaint against Navient regarding their unfair denial of my private student loan cancellation request. Below are the specific details of my case : XXXX XXXX : ** XXXX Original Principal {$18000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$10000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$4000.00} Disbursement Date XX/XX/XXXX XXXX Original Principal {$7200.00} Disbursement Date XX/XX/XXXX Original Principal XXXX Original Principal {$7000.00} Disbursement Date XX/XX/XXXX Despite following all necessary steps, providing all required documentation, and demonstrating that I meet the necessary criteria, my request for student loan cancellation was denied. When I initially received the application, it took multiple tries to fill it out as the file sent to me kept corrupting and not saving ( I have attached a copy to show as example ). Navient responded, but has not provided sufficient explanation or justification for their denial, nor have they offered any reasonable options to resolve the matter. The denial of my request has placed an undue financial burden on me, as I am already struggling with affording everyday life necessities. This student loan debt is a significant barrier to my financial freedom and is preventing me from achieving important life goals, including buying a home or even thinking about starting a family, let alone taking care of my XXXX XXXX  mother. I believe that Navient is not acting in good faith to help me find a reasonable solution or offering any alternative options for resolution. This has caused significant frustration and stress.

Company response to consumer: Closed with explanation