vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: ME

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-14 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: TX

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX 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 2024-02-14 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: ME

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-14 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: ME

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX DEPT OF EDUCATION/XXXX - Account Number:XXXX DEPT OF ED/XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number: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 2024-02-14 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: FL

Complaint narrative:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account Number:XXXX XXXX  XXXX  - Account Number:XXXX XXXX - Account Number:XXXXXXXX XXXX - Account Number:XXXX XXXX XXXX  - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX DEPT OF EDUCATION/XXXX - Account Number:XXXX DEPT OF ED/XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-14 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: VA

Complaint narrative:
Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With FHA Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With FHA Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/2024.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello My Name Is XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. There are some inquiries on my report that was not authorize by me and that reporting that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating. Heres the inquiry names and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law.

Also every piece of information on this account is not reporting 100 % Accurate.

According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system This my third time submitting a complaint yall refuses to move this account after I sent paperwork showing that the account is not mine Im asking its deleted from my consumer report Im asking they reinvestigate because obviously they not taking me serious please remove inquiries off my account thanks

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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX Alliant Credit Union ( Alliant ) imposed a {$4400.00} fee to my automotive loan for CPI insurance. Accordingly, my monthly payment went from {$1100.00} to {$1500.00}. I reached out to Alliant and found that it was because they didnt have proof of insurance. I showed Alliant that I do indeed have viable insurance, and have had this viable insurance during the period when I was charged the CPI fee. I also had viable insurance the entire duration of owning the car. 

Alliant did not ever communicate to me at any point that they needed proof of insurance, whether by mail, e-mail, phone call, text, or otherwise. They simply assessed the fee, and did not even notify me about the fee. 

I have not received reimbursement of any kind as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-14 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: CT

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2024-02-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all 3 credit bureaus, Transunion, XXXX XXXX XXXX to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making 2 complaint .1 with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.

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 2024-02-14 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: NY

Complaint narrative:
Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all XXXX credit bureaus, XXXX, Equifax XXXX XXXX to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making 2 complaint .1 with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have notice an unauthorized inquiry on my credit report on XXXX XXXX that was XXXX bank. I contacted XXXX XXXX and they put a fraud alert on my account. On XXXX XXXX I got an email from capital one saying that XXXX XXXX 's has added me as an Account user on her account that is actually my account. Super confusing. I was on the phone with capital one all day they were unable to help me so I have decided to check XXXX just to make sure there wasn't any suspicious activity. When I long in I found out that they have my address changed to some California one. I live in XXXX XXXX, CO. 
here is the address that was on my account that is not associated with me -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. 
I called XXXX fraud department and they removed the address from my account. But they told me to file a repot with you. I also put a freeze on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX charged off my account without cause, you can see my payment was made the previous month before my account was charged off without warning. ( in my credit report ). The very abridged version of the story is that my car I purchased with a XXXX loan ( a used car ), along with I believe two monthly payments and a down payment, and an insurance payout for the totaled car, they claim I still owe a balance. A petty sum of money that they charged off without warning. 

Balances were not disclosed after insurance payout, XXXX does not return calls, emails, formal requests from attorneys. They have denied access to my online portal account and refuse to provide any information or speak to me. They simply dump me off to a debt collector who is also equally unhelpful. I am in the process of filing a lawsuit regarding this. I made a formal complaint with the XXXX  XXXX XXXX government entity and they still have ignored me. 

Whatever they are doing is not in the spirit of what credit reporting is supposed to be used for. The money is basically irrelevant and I would have immediately paid off the loan if I was even aware of what I owed. Overall, I believe they have committed several unlawful acts and violated all common sense. 

To date, I have never received a phone call or email from XXXX. Only mailed letters. They have " confirmed '' all disputes from credit agencies while still not providing any information to me. Absolutely shameful. 

My primary complaint is against XXXX. This complaint is regarding Experian 's investigation of my dispute. They have also provided XXXX information or closure here and will not disclose how they can confirm this credit report is accurate.

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