vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF 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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF 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 non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF 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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF 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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA XXXX Balance {$3200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on SUNRISE CREDIT SERVICE; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX Account number XXXX The following account is reporting incorrectly on my consumers profile, According to XXXX XXXX and The FCPA you are suppose to report information, Timely, Accurately & Verifiable. This has cause detriment to my reputation and because of the confusion you have caused I'm asking for you to delet these late payments on my profile for the simple fact its not consistent, Its not true, it's damaging my life, this is incorrect and you guys have it wrong and according to the rules you must delete. This should be the same accross all consumer agencies, but it is not.

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CHOICE RECOVERY XXXX Balance {$220.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

ENHANCED RECOVERY CO L XXXX Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response about the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I first submitted a dispute to XXXX, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. XXXX XXXX XXXX just stopped communicating with me. XXXX despite 2 requests NEVER REPLIED ONCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I first submitted a dispute to XXXX, XXXX, Transunion and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from Transunion and XXXX claiming they verified the erroneous reporting on my credit file. I then asked Transunion and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). Transunion and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. 

XXXX XXXX XXXX just stopped communicating with me. 

XXXX despite 2 requests NEVER REPLIED ONCE!

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I first submitted a dispute to Equifax, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. 

XXXX XXXX XXXX just stopped communicating with me. 

Equifax despite 2 requests NEVER REPLIED ONCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEMS INTL IN is reporting 4 accounts on my consumer credit report. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor. this company is furnishing unauthorized and inaccurate information on my credit report that would be resulting to identity theft.

The 4 accounts that are being reported : Account number : XXXX XXXX {$63.00} Account number : XXXX XX/XX/15 - {$120.00} Account number : XXXX XXXX {$250.00} Account number : XXXX XX/XX/15 - {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During Covid I have never been late on any of my debt responsibilities, effectively I have decreased my monthly credit usage from 44 % to 9 % as of XX/XX/2021. Experian, XXXX, and XXXX continues to oppress my fico scores, Experian decreased my score by 1 % after I paid down my monthly debt. I submitted an dispute with XXXX over 45 days and never received any response. I feel as if Im being discriminated against by race and gender. When submitting my disputes I always send in a copy of my photo id to prove my identity. I worked extremely hard to increase my fico score, so I can obtain reasonable interest rates to purchase necessities. Also, either credit reporting agency never bothered to contact the company that determines the fico scores after my credit usage decreased to alert them of the decision to decrease my score. Credit usage makes up 35 % of my reporting fico score. Experian website says they recommend credit usage below 10 % is considered to be excellent. Im not being treated fairly with neither credit reporting agency concerning my restoration of establishing credit worthiness.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is to addressed to XXXX to stop reporting addresses that were never my domicile. The ONLY address that this bureau should be showing in my current address : XXXX XXXX  XXXX # XXXX XXXX, GA 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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is to addressed to XXXX to stop reporting addresses that were never my domicile. The ONLY address that this bureau should be showing in my current address : XXXX XXXX  XXXX # XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CAPITAL ONE BANK USA NA XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
Around XXXX of 2020 Netspend decided to hold my account hostage with {$4500.00} than demand I send in bogus documentation only to no resolve. They then used scare tactics to threaten me but when everything they requested of me was submitted they decided that my account was linked to a PayPal account that was in arrears so theyre keeping the money to offset that with no documentation provided whatsoever. This is fraud. Theyre scamming people. Please help.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This must be addressed immediately! Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as additional damage when they have been CLOSED for about a decade and should not even be on the credit report at all! 

The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. 

According to the FTC, they must be removed as they are too old to be on file. 

Remove these from my XXXX credit report immediately. 

U S DEPT OF ED/XXXXXXXX  Date Opened XX/XX/XXXX U S DEPT OF EDXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXXXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation