vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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:
I recently checked my credit report and noticed a few fraudulent accounts, inquiries, and address reporting on my credit file. Ive been dealing with this issue for a good while now. Back in XX/XX/2023, i contacted the bureau regarding these issues and still nothing. I am extremely upset and frustrated because i am trying to acquire a home for me and my family of XXXX but these fraudulent accounts and inquiries are hindering me from doing so.

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 2024-01-03 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-03 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I just made a payment on XX/XX/2023. I was told that the {$300.00} payment would bring my loans current. Navient has been calling me nonstop before and even after I made the payment. I explained that I am not able to afford a monthly payment of {$600.00} or more. They are telling me that some of my loans qualify for a payment plan, but not all of the loans. They are not explaining why some qualify, but some dont. I answered the call today and explained to them that I currently have XXXX and XXXX  and I only answered because they keep calling all day nonstop. I asked if I could call them back in a few days because I am currently XXXX. The man continued to keep me on the phone and told me that they will continue calling me and will keep calling the co-borrower. I said ok. He refused to hang up, so I ended the call. I explained that I will keep making payments that I can afford. I just cant pay what they want me to pay in XXXX month. They are not willing to work with me and they constantly harass me and has been harassing me non stop for years. Its depressing. Im constantly making payments and they constantly make threats of reporting my late payments and then asking well can you pay {$30.00}? If I can pay {$30.00}, why cant they lower my monthly payments? They are harassing me and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: LA

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.

has violated my rights. Or a list of inquiries : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: LA

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.

has violated my rights. Or a list of inquiries : 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 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 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 explanation
Consumer complaint received 2024-01-03 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: AL

Complaint narrative:
I have no idea why these are reporting on my credit file please remove inaccurate information or face fines Transunion is already liable to pay over XXXX XXXX XXXX  because of fraud and inaccurate information.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided LVNV FUNDING, LLC ANY written consent to publish my information. LVNV FUNDING LLC is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact LVNV FUNDING LLC is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from LVNV FUNDING LLC which is another violation of 15 USC 1681. LVNV FUNDING LLC reports information on accounts XXXX and XXXX I cant verify to XXXX, XXXX, and XXXX because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that XXXX, XXXX, and XXXX are in violation of XXXX XXXX XXXX compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to XXXX, XXXX, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, LVNV FUNDING LLC is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. 
LVNV FUNDING LLC, XXXX, XXXX, and XXXX are XXXX parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: DE

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.

has violated my rights. Or a list of inquiries : 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 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 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 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX recently placed a collection on my account. I contacted them to find out what the debt was and why it was on my credit report. I had never heard of this company and had never received any form of communication from them. I was told by this company that they did not have to send me any information and that its a courtesy and they had legal rights to place the information on my credit report even if I was not aware of it. This company has not provided me with any information concerning any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: ID

Complaint narrative:
I have disputed this debt with Experian 3 times, I sent the documentation showing that account had been paid and the check had been cashed by the creditor. The account needs to be updated as paid on my credit report. They keep verifying the account as not paid, I've tried to contact the creditor but they are no longer in business. Experian is not doing doing their due diligence.

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 2024-01-03 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2024-01-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I am being charged for an alleged debt, and I never entered into a contract with Merchants Credit Guide. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2024 a new bank account was opened USAA without my consent using my social security number. Called the company on XX/XX/2024 when notified via XXXX  that an account was opened using my social security number they have reported it to their fraud department. Waiting for information regarding the account being closed and for further activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
As per the XXXX, consumers must be given the opportunity to opt out of having their personal information shared with nonaffiliated third parties. The failure of your company to provide this notice compromises my rights and potentially exposes my personal information in a manner that I do not consent to. This business has been reporting negative information to the credit reporting agencies. I have tried to obtain several copies of my consumer report from this company in order to correct the problem and they have not complied. Therefore, the information being reported is unknown, and I wont take responsibility for unknown debts. This is fraud and is being reported inaccurately and without consent.

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 2024-01-03 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: SC

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 
It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting 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 2024-01-03 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: IL

Complaint narrative:
Had an account with XXXX  XXXX for {$5000.00} had an acct open with XXXX XXXX for {$750.00} As a result of the Equifax data breach

Company response to consumer: Closed with non-monetary relief