vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-10-29 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit 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: DISCOVER BANK
State: CT

Complaint narrative:
write cfpb complaint about XXXX hidden charges and discover dispute Sure, I can help you draft a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's hidden charges and your dispute with Discover. Here 's a template you can use : Subject : Complaint about Hidden Charges by XXXX and Dispute with Discover To Whom It XXXX Concern, I am writing to file a complaint regarding hidden charges by XXXX and an ongoing dispute with Discover regarding unauthorized charges on my account. 

XXXX Complaint : I subscribed to XXXX 's software under the impression that I was signing up for a monthly subscription plan. However, I was unknowingly enrolled in an " annual paid monthly '' plan, which locked me into a year-long commitment. When I attempted to cancel, I was charged a hefty early termination fee that was not clearly disclosed during the sign-up XXXX. Despite my efforts to resolve this issue with XXXX 's customer service, the charges continue to appear on my account. 

Discover Dispute : I have also been experiencing issues with Discover regarding unauthorized charges on my account. Despite notifying Discover of these charges and requesting a dispute, the issue remains unresolved. I have provided all necessary documentation and followed their dispute resolution process, but I have not received a satisfactory response. 

I kindly request your assistance in addressing these issues and ensuring that the hidden charges by XXXX are refunded and that Discover resolves the dispute regarding the unauthorized charges on my account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: IL

Complaint narrative:
I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Well from my understandings I am allowed to requests all names with the exemption of the name XXXX XXXX XXXX. I have never gone by any other name, so I need all other names with the exception of the name listed above should be reported as mine. This is in accurate and needs to be removed immediately. Also child services is reporting inaccurate information. That needs to be removed. These XXXX issues fall. Under the following information and leaves the reporting Companys responsible for paying reparations. 
Suing for damages after an FCRA violation From a legal perspective, damages refer to reparations that a person seeks when theyve been negatively affected by another party. If an FCRA violation by another party results in lost funds or harm to your reputation, you can seek damages in court. 

Once youve identified that the Fair Credit Reporting Act has been violated by a CRA or another credit entity, youre able to sue that entity in court for XXXX of XXXX types of damages : willful or negligent violation. 

Willful violation A willful violation means you can prove that the CRA or XXXX XXXX acted recklessly with your information and didnt respect their obligations, both to the FCRA and your protected rights under the FCRA XXXX 

This doesnt mean you and your attorney have to prove beyond a reasonable doubt that the entity intentionally violated your rights just that they did so in the first place and that they should have known to not do so. 

If you can prove this in court, you XXXX be able to recover the following damages : Basic damages : Provable damages with no set limit, or Statutory damages between {$XXXX} and {$XXXX} Punitive damages as decided by the court Attorney fees and costs Damages from an individual violator who lied or used your credit report for an improper purpose :

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Well from my understandings I am allowed to requests all names with the exemption of the name XXXX XXXX XXXX. I have never gone by any other name, so I need all other names with the exception of the name listed above should be reported as mine. This is in accurate and needs to be removed immediately. Also child services is reporting inaccurate information. That needs to be removed. These XXXX issues fall. Under the following information and leaves the reporting Companys responsible for paying reparations. 
Suing for damages after an FCRA violation From a legal perspective, damages refer to reparations that a person seeks when theyve been negatively affected by another party. If an FCRA violation by another party results in lost funds or harm to your reputation, you can seek damages in court. 

Once youve identified that the Fair Credit Reporting Act has been violated by a CRA or another credit entity, youre able to sue that entity in court for XXXX of XXXX types of damages : willful or negligent violation. 

Willful violation A willful violation means you can prove that the CRA or XXXX XXXX acted recklessly with your information and didnt respect their obligations, both to the FCRA and your protected rights under the FCRA XXXX 

This doesnt mean you and your attorney have to prove beyond a reasonable doubt that the entity intentionally violated your rights just that they did so in the first place and that they should have known to not do so. 

If you can prove this in court, you XXXX be able to recover the following damages : Basic damages : Provable damages with no set limit, or Statutory damages between {$XXXX} and {$XXXX} Punitive damages as decided by the court Attorney fees and costs Damages from an individual violator who lied or used your credit report for an improper purpose :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ( Original Creditor : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX I am writing to dispute the following inaccurate information on my credit report. I have reviewed my credit report and found that the information listed below is incorrect. Please investigate this matter and remove or correct the erroneous information. 

This account does not belong to me, or this account has been paid off but is showing as delinquent. 

I kindly request that you investigate this matter and remove or correct the inaccurate information. Please notify me of the results of your investigation as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is found to be inaccurate, incomplete, or unverifiable. I also request that you send me an updated copy of my credit report once your investigation is complete. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  ( Account # ) XXXX Account Name : XXXX XXXX XXXX XXXX ( Account # ) XXXX Account Name : XXXX XXXX XXXX ( Account # ) XXXX Has violated my rights I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. and according to the fair credit reporting act 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 reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generally after any investigation under paragraph ( 1 ) of any information disputed

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate collection account ( XXXX ) listed on my credit report. As a consumer, I have the right to ensure that the information being reported about me is both fair and accurate, as stated in the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. I respectfully request that you investigate the following collection account ( XXXX ) and remove any inaccurate, unverifiable, or outdated information from my credit report. 

I believe this account is inaccurate for the following reasons : XXXX Has deleted this account from my account due to the fact it could not be verified to be mine I have attach my XXXX letter stating it was deleted, so please deleted from my report as well. 

According to the FCRA, specifically [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. I request that it be removed from my report in compliance with [ 15 U.S.C. 1681i ( a ) ]. 

Please send me a written confirmation once the investigation is complete, as well as an updated copy of my credit report reflecting any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I request that they provide original purchase agreement to show full ownership of such accounts as well as any supporting documents to determine credibility and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Early Warning Services, LLC
State: GA

Complaint narrative:
i, XXXX XXXX am a victim of Identity theft. On XX/XX/XXXX and XX/XX/XXXX, I submitted disputes regarding all fraudulent bank accounts listed on my Early Warning file. I am a trust beneficiary and family has had trust for me since i was born and i never needed a bank account. Today, on XX/XX/XXXX, I received an email response from XXXX XXXX  stating that XXXX XXXX XXXX reported the information as " accurate and complete '' I require you XXXX XXXX to provide all documentation related to your investigation, XXXX. ) include interview records. XXXX ) All communications with XXXX XXXX XXXX  XXXX ) Also I need to know the name of the woman or man who verified the account as accurate? All this information need to provided to me for all bank listed in my file. All documentary material from your investigating need to be an notarized affidavit from the man or woman who verifying these accounts under penalty and perjury. XXXX XXXX you have XXXX  days XXXX. If the name and documentary information I am requesting is not furnished to me it proves that no man or woman has verified these fraudulently bank accounts and thus must be deleted from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-10-29 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-10-29 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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 explanation