vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, the following accounts referenced above have violated my rights as a consumer. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-20 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: TN

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: OH

Complaint narrative:
I've been a victim of identity theft, my information was exposed to the public in the Equifax data breach and I noticed unauthorized credit accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: OH

Complaint narrative:
I've been a victim of identity theft, my information was exposed to the public in the XXXX data breach and I noticed unauthorized credit accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bridge IT, Inc.
State: GA

Complaint narrative:
BRIGIT / XXXX XXXX XXXX Note Loan is stating that they gave me a loan that I didn't payback or paid back late. BRIGHT/ XXXX XXXX is a credit builder account they don't not offer traditional loans instead the money that you put into account is held for you for a certain time period and reported as paid on time and could be canceled at any time. 
I never received money/ funds from BRIGIT/ XXXX XXXX i never got a loan from Brigit in any way and they are reporting negative late payments on my credit report which is un true misleading and harmful to me obtaining credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/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 2024-04-20 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 Balance : {$240.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Steel Lending Group LLC
State: NV

Complaint narrative:
I received a copy of my credit report. To my surprise, this account is NOT reporting correct information. This account is NOT reporting to my XXXX & XXXX Report But is reporting to my XXXX Report. According to the FCRA, i have the right to an accurate credit report. Please add this account immediately to my credit reports. Please provide me a copy of my new credit report reflecting this account added upon completion. 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I & My mother who is the sole account holder of the account gave this consumer reporting agency WRITTEN CONSENT to report on my consumer report which violates my rights as a federal protected consumer. NO reporting is discrimination. As a consumer I am demanding the addition of the account listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

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 2024-04-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've recently purchased my annual free credit report and noticed unauthorized inquiries on my report. I have credit cards and other accounts in my name that I do not recognize. I know it has to be something I can do in-regard 's to removing these hard inquiries. According to the Fair Credit Reporting Act, Legally these unverified & unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I recently disputed this account in XXXXXXXX XXXX XXXX and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 
XXXX XXXX XXXX XXXX # XXXX ) Delete this erroneous account IMMEDIATELY! 

-Open date is reporting inaccurately - Date last active is reporting inaccurately - High credit is reporting inaccurately. This accounts is inaccurate. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the actions being taken against the company. 
Under federal law you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that this account be deleted immediately or will file for litigation. I demand this account be deleted immediately as I will be seeking litigation

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violati

on of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists

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 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
- On XX/XX/XXXX, I received a text message on my phone from the number XXXX XXXX, the message offered a job offer at the company XXXX XXXX or XXXX XXXX XXXX, the sender identified herself as XXXX XXXX. He gave me the code XXXX to start an interview with XXXX XXXX through the XXXX  message application. 
- On XX/XX/XXXX, I contacted the user XXXX XXXX via XXXX, who identified himself in his profile with the name XXXX XXXX. After giving him the code, this person identified himself as a contracting XXXX for the company XXXX XXXX or XXXX XXXX XXXX. He gave me information about that company and the website XXXX. Then he gave me a job interview, all the time through text messages in the same XXXX application, at the end of the interview he told me that I was accepted for the position. 
XXXX XX/XX/XXXX, he then told me that he was going to provide me with funds to buy work tools and software. He asked me for personal information such as address, phone number, email and name. He emailed me the XXXX, XXXX, the job offer, and the company code and ethics. Send all those documents with real sensitive information of mine. 
- On XX/XX/XXXX, I received a check by XXXX XXXX  with an amount of XXXX XXXX, this came with origin id : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX UNITED STATES US. He asked me to redeem that check at my bank. Redeem the check at my SoFi bank using the mobile app. 
- On XX/XX/XXXX, the bank made the XXXX XXXX  available and withheld it for XXXX until the XXXX. After confirming that I had XXXX XXXX  available, they asked me to make two transfers of XXXX XXXX  via XXXX to the user, to the person XXXX XXXX with email XXXX, since I was not able to make the transfer, he asked me to use the XXXX option " send to a friend '' XXXX to the person XXXX XXXX with email XXXX. Make two transfers of XXXX each to that sofi user. 
- On XX/XX/XXXX, in the face of doubt and given the varied number of questions that I had asked about the company, which had not been answered, and the number of tasks that they had sent me to do, promising to pay for each of them. but I had not had a convincing answer for my work, I tried to cancel the transactions but it was too late, the check had already been withdrawn, and my account was at XXXX. When I contacted that person again by telegram and informed him about the withdrawal of the check, he did not respond further. I called the SoFi bank, explained what was happening and requested to cancel the transactions I had made but the request was not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
I looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. The date of birth is completely wrong. Also there are names on there that are not me. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The names that are incorrect are : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter asking them to reinvestigate these accounts listed below because XXXX and XXXX Acct # XXXX XX/XX/XXXX {$130.00} XXXX  XXXX Acct # XXXX XX/XX/XXXX {$1900.00} XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$370.00} Dept of EDXXXX XXXX XX/XX/XXXX {$3200.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6900.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5500.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$9200.00} XX/XX/XXXX {$4400.00} XX/XX/XXXX {$3800.00} XXXX Acct # XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$280.00} XXXX XXXX Acct # XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$220.00} XXXXXXXX XXXXReported ( XXXX ) Acct XXXX XXXX XX/XX/XXXX {$80.00}

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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