vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that i was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: KY

Complaint narrative:
I was a victim of identity theft causing fraudulent accounts to be opened. Please delete these accounts from my credit profile immediately. The accounts are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
I have sent multiple dispute letters to your company, but the same inaccurate information remains on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting accurate information.

Attached are copies of all the letters I previously sent.

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 2024-06-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple dispute letters to your company, but the same inaccurate information remains on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting accurate information.

Attached are copies of all the letters I previously sent.

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 2024-06-27 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: TX

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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 XXXX  and/or XXXX XXXX XXXX XXXX XXXX have been reporting a case of identity theft for almost a year. This is my statement below, and XXXX fails to proof that I was the one getting the credit. They finally sent a copy of the contract where it is very clear that is NOT my signature. I have ALL the proof that I was in New York the time this purchase was made. Please read statements below : This is my SEVENTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT.

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERAL CUSTODY 4 ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/year> XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car or set up a business when I was in XXXX XXXX and then a XXXX House and XXXX Release living in XXXX XXXXXXXX XXXX XXXX  XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX house or supervised release without having to go through my XXXX XXXXXXXX. 
-- -- -- MY RESPONSE TO XXXX 'S STATEMENT PROOF THAT IT WAS ME!! the contract they sent as " proof '' clearly has a forged signature. 
I was " released '' on XXXX  or XXXX XXXX in XXXX XXXX, and moved to XXXX XXXX, where I lived in worked for the following two years. I did not go to California.

Second of all, you attached a CONTRACT, well, that is the proof we need, that signature is NOT MINE, is FORGED, you can have a forensics team verify if.

I already explained and submitted PROOF that I was released in New York. Where I lived in New York. And also that my brother XXXX XXXX was living in XXXX XXXX and he was the one using my IDENTITY to get loans and credit. 

Please SHOW PROOF that it was me. I was in XXXX XXXX at the time, I could not travel or leave because I was under SUPERVISED RELEASE with several restrictions one of them buying a car 30 states away from where I was living and working in XXXXXXXX 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 2024-06-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all inquiries was fraudulent and i do not recognize

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 2024-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
When applying for a credit card backed by Comenity Bank, they sent me a letter requesting that I send them a copy of my Driver 's License, Social Security Card, and W-2 or 1099 form to prove my identity and finish processing my application. I did not provide this information because I was concerned it would expose me to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/year> I went to a Kohl 's store in XXXX Idaho and made a in-store purchase in the amount of {$120.00} I swiped my Kohl 's card at the register the transaction was approved and then I look at my statement of transactions and Kohl 's has double charged me for this transaction on my Kohl 's card. I have called customer service numerous times about this and no one can tell me why this has happened or any kind of resolution to this issue but they can definitely see that there is a double charge but will do nothing and give me no information about it so they are collecting 33.4 % interest on this transaction that should not be there. Today which is the XXXX I tried to talk to another customer service agent and was once again told me they had no information on why this happened and I asked for a supervisor she would not give me one the supervisor refused to talk to me and the customer service agent would not give me her employee number she would give me no information on anything so I do believe this is fraud on Kohl 's charge card as they are now collecting interest on two amounts one that I made and one that they just decided put on there for the exact same day as it shows on my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX called Lexis Nexis Risk Solutions multiple times and as I had already done in XX/XX/XXXX, to request a paper copy of my consumer Disclosure Report and all the PUBLIC INFORMATION REPORTS AS WELL AS THE SOURCES OF THE REPORTING AGENCIES THAT THEY OBTAIN THEIR INFORMATION FROM. First they said that I had to send them proof of my identity, so I immediately sent them XXXX, SOCIAL SECURITY CARD and my water bill on their secure portal. They acknowledged receipt of all of them and that my identity had been proven and that they would send me printed copies of all my requests in 5-7 days. As of XX/XX/XXXX, I havent received anything from them. I receive notifications and pictures of all my XXXX mail and they havent sent me any of the promised items. I called several times today, XX/XX/XXXX and was transferred to the Public Records Department by XXXX and again I waited on the phone for at least 30 minutes and a person named XXXX answered and was uncooperative and refused to transfer me to a supervisor and hung up on me. I tried calling back and waited about 15 min before hanging up.

I need these reports to clear up 5 vehicles and another home registered in my name on their records that they are selling to other organizations and consumer reporting agencies. Specifically, XXXX XXXX will not remove these vehicles and additional home from my consumer report with them until I receive the Lexis Nexis report showing that these 5 vehicles and additional home located in XXXX  are NOT on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A copy of an FTC report listing the products opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report has different information reporting for this account and I am not sure what is accurate. This inaccurate reporting has affected me and not allowed me to get a much need apartment to house my children.

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 2024-06-27 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: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very distressed with how my complaints turned out. I am constantly ignored regardless of my consistent plea for my information to be verified and updated but here we are yet again. I'm getting frustrated that none of my scores are going up because of the inaccuracies that are hindering my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: MO

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 15 use 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate.

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 2024-06-27 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: Experian Information Solutions Inc.
State: MO

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 15 use 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate.

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 2024-06-27 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 XXXX  and/or XXXX XXXX XXXX XXXX XXXX have been reporting a case of identity theft for almost a year. This is my statement below, and XXXX fails to proof that I was the one getting the credit. They finally sent a copy of the contract where it is very clear that is NOT my signature. I have ALL the proof that I was in New York the time this purchase was made. Please read statements below : This is my SEVENTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERAL CUSTODY 4 ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/year> XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car or set up a business when I was in XXXX XXXX and then a XXXX XXXX and Probation/Supervised Release living in XXXX XXXXXXXX New York XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in XXXX and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer. 
-- -- -- MY RESPONSE TO XXXXXXXX XXXX  STATEMENT PROOF THAT IT WAS ME!! the contract they sent as " proof '' clearly has a forged signature. 
I was " released '' on PROBATION or SUPERVISED RELEASE in NEW YORK, and moved to XXXX XXXX, where I lived in worked for the following two years. I did not go to California.

Second of all, you attached a CONTRACT, well, that is the proof we need, that signature is NOT MINE, is FORGED, you can have a forensics team verify if. 

I already explained and submitted PROOF that I was released in New York. Where I lived in XXXX XXXX. And also that my brother XXXX XXXX was living in XXXX XXXX and he was the one using my IDENTITY to get loans and credit. 

Please SHOW PROOF that it was me. I was in New York at the time, I could not travel or leave because I was under SUPERVISED RELEASE with several restrictions one of them buying a car 30 states away from where I was living and working in XXXX XXXX NY.

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 2024-06-27 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: Healthcare Finance Direct LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXX scammed me and ruined my smile. I asked for a refund but they refused. They promised they would send new retainers to fix the issue but never did. Healthcare finance direct is partnered with XXXX XXXX XXXX and they keep sending voicemails and emails even though I stated to them I was scammed by XXXX XXXX XXXX and will not be paying the remaining account. XXXX XXXX XXXX XXXX has not just scammed me but thousands of people that is why they are out of business now ) Healthcare Finance Direct sent a letter in the mail and I received it on XX/XX/XXXX. The Letter states Your Account could be sent to Collections once your account is sent outside the collections agency non payment of your balance could adversely impact your credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Dear chase bank, I, XXXX XXXX, hereby opt out of the services provided by [ Service Providers Name ], effective immediately, pursuant to the Uniform Commercial Code ( UCC ). Please confirm receipt of this notice and that no further services will be provided.

Company response to consumer: Closed with explanation