vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: OK

Complaint narrative:
In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: OK

Complaint narrative:
In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and 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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NJ

Complaint narrative:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: NJ

Complaint narrative:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-09 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: NY

Complaint narrative:
A XXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.

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 2023-03-09 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: NY

Complaint narrative:
A XXXXXXXX XXXX card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX $ XXXX {$3800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-03-09 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: TX

Complaint narrative:
15 us 1681a2 stating you didn't give written permission to have those accounts furnished on your report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
15 us 1681a2 stating you didn't give written permission to have those accounts furnished on your 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 2023-03-09 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12.00} 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 non-monetary relief
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I submitted disputes on XXXX XXXX XXXX with XXXX, Transunion, and XXXX. They refused to investigate, did not complete a proper or timely investigation, did not provide me with results, or verification. I want these accounts immediately removed or I will seek legal action against all 3 credit bureaus.

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 2023-03-09 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: OK

Complaint narrative:
I submitted disputes on XXXX XXXX XXXX with Experian, XXXX, and XXXX. They refused to investigate, did not complete a proper or timely investigation, did not provide me with results, or verification. I want these accounts immediately removed or I will seek legal action against all 3 credit bureaus.

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 2023-03-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer.

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Bridge IT, Inc.
State: TX

Complaint narrative:
I dont have any business with any of these companies and my I am a victim of fraud Brigit/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NC

Complaint narrative:
Called XXXXXXXX XXXX  ( XXXX ) on XXXX for help disputing an incorrect XXXX WEB ORDER charge for {$1200.00}. I provided the necessary information and was told someone would be in contact. I received a XXXX letter the week of the XXXX explaining that the charge never posted and no further action would be taken. I contacted XXXX via phone and explained that the charge had in fact posted and been paid at that point. The lady looked up and confirmed the letter was in error and they did show the charge posted and would place it in dispute at this time. She transferred me to another lady who asked a series of in depth questions around the transaction and explained they would issue a credit for the charges while they worked to resolve the dispute. I received another XXXX letter on the 3rd advising that a credit had been issue but a series of documents asking the same questions were included with the letter. On XXXX, I attempted to call XXXX to ask if this was needed since clearly it was the same questions previously provided over the phone. I was unable to complete this question due to the amount if account verification information that was being required. I was asked by XXXX first to verify account information which I did before being transferred to XXXX. XXXX proceeded to ask ( and I'm serious, pull the call ) for my full name, address including zip, last 4 of SSN, DOB, and a code from a verification SMS that was sent. At this point I cleared the call since this clearly is not intended for any type of account verification and instead is an intentional hurdle to keep for providing customer service. I would like help resolving the billing dispute but I am unable to work through the intentional hurdles to even ask questions.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
On XX/XX/XXXX I made a payment of {$8900.00} to Comenity Bank .On XX/XX/XXXX Comenity bank Switched credit card companies To XXXX XXXX.Our balance on XXXX XXXX was {$8900.00}. Now Comenity bank says they can not find where we paid {$8900.00} and XXXX XXXX say 's we still owe this money and turned our credit card use off and they say we do not have any more credit left because our credit limit was $ XXXX.Our Bank Statement shows they took the {$8900.00} out of our account. 

Phone # on my Bank Statement is XXXX for comenity. 
XXXX XXXX phone # on back of my card is XXXX Phone # on Comenity XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6000.00} 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 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

Company response to consumer: Closed with explanation