vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I got out of the XXXX XXXX in XX/XX/XXXX, I had a government debt that is still coming out of my social security payments, and the balance will be {$0.00} by the end of the year. I am a 100 % permanently and totally XXXX veteran. Experian has not updated this record since XX/XX/XXXX. Ive contacted Experian several times over the last year, attempting to open a dispute, but I can never get anyone on the phone and their online system will not allow me to submit a dispute. Despite my efforts to get Experian to update their records, a charge-off for a debt that was opened in XXXX is still on my credit report impacting me negatively through higher rates and credit denials. It has been 12 years, and not even a bankruptcy would still be there by now. Experians refusal to work with me on this problem has caused me great hardship.

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 2023-05-28 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2023-05-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has all the wrong address and duplicates address not my address. 
I only have XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are my only legal address other than that Experian needs to prove all other address by deed lease of apartment or loan taking out in my name.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.

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 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.

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 2023-05-28 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: FL

Complaint narrative:
This is now my 5th time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/XXXX and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. For the 5th and final time Please remove the inquiries that I have requested to be removed on XX/XX/XXXX under complaint # XXXX as well as XX/XX/XXXX under complaint # XXXX and XX/XX/XXXX under complaint # XXXX. There are still 2 remaining inquiries that shows as the following on my credit report that has not yet been removed. XXXX XXXX XXXX  and 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I was examining my consumer report and saw an account of US DEPT OF EDXXXX with informing the law in pursuant to 15usc1681a ( d ) ( 2 ) ( ii ) if the account is being verified as accurate from the 3rd party debt collection agency then there had to have been communication involved which is prohibited from consumer report. This is a violation of the fair credit reporting act, any communication from this account from other 3rd party corporations is in violations of the fair credit reporting act and is in violation of my privacy. I also see Experian is censoring me by not allowing me to dispute this account any further through online. I can not trust Experian enough to dispute through phone call because they could be misconstruing my words incorrectly. Please remove this account from my consumer 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 2023-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report. these errors have caused a major effect on my credit report. please review an remove the information listed to clean my file. this has been an on going situation that needs to be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax has been ignoring all my recent disputes and answering with the same thing over and over. The Results Of Our Reinvestigation >>> We have reviewed the identification information. The results are : N : MEMBER NUMBER SUBMITTED NOT REPORTING AS INQUIRY ON CREDIT FILE PLEASE VERIFY THE MEMBER NUMBER AND RESUBMIT YOUR DISPUTE ONLINE. 

They are ignoring my letter and stalling my process to fix innacurate info I demand a proper investigation on all of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit One LLC
State: FL

Complaint narrative:
I have no association with CreditOne LLC. They have been unlawfully accessing my social security number in order to run hard inquiries on my report. The most recent one noticed again was on XX/XX/2022. I never authorized or signed any contract with CreitOne LLC and have no legal binding contract with them. However, they still continue to steal my identity and use it to put negative hits on my credit report. I have filed a Identity Theft Report with the Federal Trade Commission and continue to take further measures to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, 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: DC

Complaint narrative:
On XX/XX/XXXX, I received an unsolicted email from Experian informing me that my credit score had been updated. On XX/XX/XXXX, I attempted to login to Experian.com to view this score. After multiple attempts, I was unable to login and the website informed me my account had been locked and I needed to call Experian at ( XXXX XXXX XXXX  to unlock my account. 

I called and spent about 30 minutes in total navigating the push-button interface and talking to an operator. I answered security questions about my account but the system was down so I was told to call back after 72 hours. I called again the next week and spent another half hour navigating the same problem. The person I spoke with was difficult to understand and was then told the same thing. 

I sent an electronic message to Experian on XX/XX/XXXX informing them of this ongoing problem and I have not received any response ( see attached ). 

Experian is making it virtually impossible to access my credit report and their poor customer service is difficult and tedious to navigate. Their operators are unable to resolve the problem and unwilling to troubleshoot beyond scripted apologies. 

Meanwhile, Experian continues to spam my email inbox urging me to login to my account even though it is impossible for me to do so ( see attached ).

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 2023-05-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 the following below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX Account # XXXX Was removed from my Equifax report and added back on XX/XX/23. ( Violation ) 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 information, other than records of convictions of crime 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

1681e. Compliance procedures ( b ) Whenever a consumer reporting agency prepares a Consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following are. not my previous address/ XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. / XXXX XXXX XXXX XXXX XXXX MI. XXXX/ XXXX XXXX XXXX XXXX. XXXX/ XXXX XXXX XXXX XXXX MI. XXXX and XXXX XXXX XXXX XXXX, MI. XXXX. I disputed before and they're still on my report. 

1681c-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft. ( b ) Notification ( 3 ) that a block has been requested under section by me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Accounts Portfolio Recovery Associates Claim I Owe : # XXXX # XXXX I have been engaged in an exhaustive dispute with Portfolio Recovery Associates since XX/XX/XXXX regarding the accounts Portfolio Recovery Associates asserts I owe. With each dispute, I have consistently requested detailed information pertaining to my alleged connection to these debts. Regrettably, the insubstantial and inadequate information provided thus far has failed to establish the validity of the debts Portfolio Recovery Associates claims are mine. Consequently, I emphatically dispute the authenticity of all the debts Portfolio Recovery Associates has asserted. 

It is distressing to note that Portfolio Recovery Associates has repeatedly reported false and inaccurate information in addition to the absence of compelling evidence. This deliberate violation not only breaches the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the obligations outlined by the XXXX XXXX  requirements and the Truth in Lending Act ( TILA ). 

On Saturday, XX/XX/XXXX, I dispatched a letter via USPS Certified Mail explicitly refusing to make any payments towards the alleged debts. Moreover, I declared the closure of all associated accounts and demanded an immediate cessation of all communication unless it is solely for the purpose of confirming the closure of the accounts Portfolio Recovery Associates claim I owe. 

Due to the inability to verify the authenticity of these accounts based on the documents received thus far, I firmly believe that they may be the result of identity theft or mixed files. This deeply concerns me and further underscores the gravity of this situation.

As a reference, I have attached a copy of the aforementioned letter and the USPS Certified Mail tracking information : Tracking # XXXX. 

It is imperative that Portfolio Recovery Associates comprehend the extent of my frustration and dissatisfaction with the violations that have occurred. I insist that Portfolio Recovery Associates rectify this matter with utmost urgency, and adhere to the laws governing credit reporting and debt collection practices. Failure to comply with these legal and ethical obligations may lead to further action to protect my rights and seek appropriate remedies. 

I expect prompt attention to this matter and anticipate a swift resolution. Please acknowledge the receipt of this letter and communicate the proposed course of action within a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: NM

Complaint narrative:
I very recently bought a car at XXXX XXXX in XXXX  around XX/XX/XXXX. I was financed through Santander Bank. I bought the car had everything signed and payed. It was 3 weeks later that I called XXXX XXXX to see why I haven't gotten any way to pay off the bank bills. I was told by XXXX XXXX that I would have to come in for more paperwork. I was told Santander was raising my payment by XXXX dollars a month and given no way to make payments. I live in XXXX  XXXX NM more than 3 hours away. And was just returning from a weeks long funeral service which I am required to return to for my grandfather 's internment. The day has not been set and I am on standbye using my days off work to go to appointments for a XXXX. Ive made 2 separate attempts to contact Santander and have not been able to get any in person help on the line. I have had 0 opportunity to go back to XXXX  to pay Santander after raising my rates suspiciously. And now my credit score is tanking ive only had a week and 0 opportunity. I have made every attempt to question XXXX XXXX and attempt to communicate with Santander. To pay off my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with transunion to delete all of the inaccurate information that is hindering my file. this has been an on going issue that is not correct on all 3 credit file. please review an delete all data that is listed to correct my file with transunion 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 non-monetary relief