vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of XXXX XXXX. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-05-12 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: SC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-05-12 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: SC

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
the same account item is being reported multiple times on my credit reports which is causing me harm. The law provides that any incorrect information be deleted immediately under the FCRA. This is incorrect information and all should be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NV

Complaint narrative:
the same account item is being reported multiple times on my credit reports which is causing me harm. The law provides that any incorrect information be deleted immediately under the FCRA. This is incorrect information and all should be deleted immediately

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Based on the apparent inaccuracies shown in the enclosed credit report, it is evident that these companies have reported my data falsely. 
Please note that XXXX is reporting a 60 day late payment, while there is no 30 day late payment ever. 
Also TransUnion and XXXX both show a 30 day late payment and a 60 day late payment. I am very certain that my payments were always made in full and on-time.

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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a Capital One credit card in XX/XX/2024. I used the card for cash advances totaling over {$1500.00} where the credit limit is {$3000.00}. My bill was promptly paid ( {$1500.00} ) minus other fees by a third party and because of the third payment Capital One locked my card. I have a current balance of a little over {$100.00} and had to upload front and back photos of my ID several times ( est. XXXX ) before it was accepted. I was initially told that uploading my ID was all that was needed and that the payment would have to clear, which it did within XXXX hours. Thereafter Capital One wanted to do a XXXX party verification with the person who paid my bill even though the payment cleared the bank and was posted by Capital One already on XX/XX/2024. The payee feels uncomfortable with this process of being on the phone with a company she doesn't do business with AFTER her payment was cleared and received but attempted to go through the verification twice absent resolution because of her bank not wanting to do such verification to Capital One 's standards. I have asked Capital One for an alternative resolution to unlock my card which I only used for a single payment cycle and is current. They have given me none. The payment due was {$29.00} on an outstanding balance of over {$1600.00} and I have spent hours on the phone trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NY

Complaint narrative:
Theres an amex report on my credit its a account in good standing by the way, but its not mine! 

It says that the account was opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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:
Theres an XXXX report on my credit its a account in good standing by the way, but its not mine! 

It says that the account was opened on XX/XX/202XXXX 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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XX/XX/XXXX It has come to my attention that an Application called XXXX ( APP ) that I had been using to keep track and pay my credit cards had some technical issues and was not syncing and servicing to 2 of my accounts. This resulted in XXXX consecutive missed payments this past year. The app was called Prism and it was a bill pay and bill tracker app. Apparently I have not been the only person with this issue as it is no longer available to view or download on the App store. 

I am in the process of moving and trying to secure a new lease for housing for my family and this has greatly affected my credit score as I am told. I would greatly appreciate if I could have these late payments removed from my credit report since this was a technical error with these 2 accounts. The Prism app showed that the payments were made on my end but the money apparently never left my bank account to pay the bill. This only happened on 2 of my accounts thankfully but it was difficult to catch the error and wasnt noticed for several months. 

I have listed the accounts below and would ask that these delinquencies be removed to help me secure a new lease for housing for my family. 

# XXXX XXXX XXXX XXXX # XXXX missed payments XXXX, XXXX, XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX missed payments XXXX, XXXX XX/XX/XXXX After this error was noticed, I have stopped using the Prism app and pay my bills directly without a payer/tracker app and all payments have been made on time. I have spoken with the credit card companies directly since this was over 1 year ago that it occurred and was no fault of mine and they will not assist me. 

Please help to assist me with this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, AL XXXX SS # 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 2024-05-12 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: Global Lending Services LLC
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that a consumer reporting agency has a responsibility to report with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies as I am the consumer. I have the right to make sure my private non-public information is not shared per 15 USC 6801 which states It is the policy of the Congress that each Financial institution has a favorable and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of their customers nonpublic personal information as the furnishers of that said information to credit agencies. 15 USC 6802 states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I, XXXX XXXX, the consumer, is given an explanation of how I can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681a 1 states " 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. 15 USC 1681 sections 604A section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instruction from the consumer to whom the information relates to. Financial institution Global Lending Services and the consumer reporting agencies listed above do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to these credit reporting agencies listed above whether it was verbal, non-verbal. Written. Implied or otherwise is permanently revoked. With this being said I am opting out of your reporting services as it is my right to per XXXX XXXX XXXX A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
XX/XX/XXXX It has come to my attention that an Application called XXXX  ( APP ) that I have been using to keep track and pay my credit cards had some technical issues and was not syncing and servicing to 2 of my accounts. This resulted in 3 consecutive missed payments this past year. The App was a bill payer and tracker app which is no longer available on the app store possibly due to issues with more people than myself for the same reason.

I am in the process of moving and trying to secure a new lease for housing for my family and this has greatly affected my credit score as I am told. I would greatly appreciate if I could have these late payments removed from my credit report since this was a technical error with these XXXX accounts. The XXXX app showed that the payments were made on my end but the money apparently never left my bank account to pay the bill. This only happened on 2 of my accounts thankfully but it was difficult to catch the error and wasnt noticed for several months. 

I have listed the accounts below and would ask that these delinquencies be removed to help me secure a new lease for housing for my family. 

# Ally for nurses acct # XXXX missed payments XXXX, XXXX, XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX missed payments XXXX, XXXX XX/XX/XXXX After this error was noticed, I have stopped using the XXXX app and pay my bills directly without a payer/tracker app and all payments have been made on time. 

Please help to assist me with this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, AL XXXX SS # XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that a consumer reporting agency has a responsibility to report with fairness, impartiality, and respect for the consumers right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies as I am the consumer. I have the right to make sure my private non-public information is not shared per 15 USC 6801 which states It is the policy of the Congress that each Financial institution has a favorable and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of their customers nonpublic personal information as the furnishers of that said information to credit agencies. 15 USC 6802 states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I, XXXX XXXX, the consumer, is given an explanation of how I can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681a 1 states " 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. 15 USC 1681 sections 604A section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instruction from the consumer to whom the information relates to. Financial institution -XXXX XXXX XXXX XXXX XXXX XXXX this account is reporting the same account twice and must be removed -XXXX XXXX XXXXXXXX + As Derogatory and the consumer reporting agencies listed above do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to these credit reporting agencies listed above whether it was verbal, non-verbal. Written. Implied or otherwise is permanently revoked. With this being said I am opting out of your reporting services as it is my right to per XXXX XXXX XXXX A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is breaking the Law according to FCRA, by law this company must provide me a copy of the original contact with my signature on it to validate this account belongs to me which they have not. By law this account must be deleted from my credit report. I have supplied this company with Identity theft documentation and all other documentation they have requested including utility bill from XX/XX/year> which is verification that I was not living in the state this account was opened under. They are terribly difficult to deal with, several representatives stating false information that they can not find an account under my name refusing to allow me to speak to the correct departments to report the fraudulent incident. This company has damaged my credit and next steps will be to file a lawsuit for damages. XXXX XXXX is a very bad company and I do not recommend anyone do business with them. After I have supplied them with all the correct documentation required by law they are fraudulently reporting to my credit and action needs to be take against this company! Total visa also stated that they would escalate this situation but has provided no further details. This matter needs to be investigated and solved Immediately.

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 2024-05-12 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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