vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : 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 2023-03-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: FL

Complaint narrative:
I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XX/XX/23 XXXX. XXXX XXXX XXXX XX/XX/23 Remove these inquiries from my transunion XXXXXXXX XXXX XXXX Remove these inquiries from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX fed 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 2023-03-22 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

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 2023-03-22 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: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-03-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/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 2023-03-22 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: WI

Complaint narrative:
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-03-22 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: WI

Complaint narrative:
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXX 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 I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXXK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

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 2023-03-22 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: CA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 and 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 2023-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, Capital One XXXXXXXXXXXX Capital One  XXXX, XXXX XXXX, Capital One XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-22 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: AR

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/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 2023-03-22 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dividend Finance Inc.
State: OH

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Ohio XXXX came to my home to install 10 windows totalling XXXX workers stated they were finished noticed my bedroom window shade was pulled down I called them back they broke expensive shade they sent two different gentle men out they said the windows were not finished raised the windows 2in up they went all the way up buy them selves they also said balances weren't checked old storm windows weren't removed & a frame on out side was not put on Dividend finance Co start sending bills right away job was not complete I called & wrote them I would not make payments until 2 months after job was completed per our contract they have been billing with late fees etc bad credit scores they are due to complete XX/XX/XXXX I'm not obligated to start my payments until may per our contract with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX I applied for the Discover credit card. On XX/XX/XXXX, Discover sent me a letter stating they were unable to approve my request due to an extended fraud alert on my consumer report. I called them to verify my identity and they told me I would need to take care of the fraud alert and then call back. I took care of it and called back. I was told by a customer service rep that I would have to reapply again. I asked would that result in another hard inquiry. She said yes. I told her that didn't sound right but that I would reapply. When I reapplied, I was denied again and this time the reason was there was an application already in progress or was recently processed. I sent an adverse action letter to Discover two times and never heard back from them. They will probably say that too much time has lapsed since the application was made but that is not on me. I did my due diligence in writing them to rectify the matter and they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: FL

Complaint narrative:
I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/23 Remove these inquiries from my XXXX XXXXXXXX XXXX XXXX  Remove these inquiries from my 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 non-monetary relief