vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: AR

Complaint narrative:
1.Account Name XXXX XXXX XXXX Account # XXXX Date open XX/XX/year> This account do not belong to me. please remove it from my credit report. I also would like a update credit credit report mail to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: AZ

Complaint narrative:
I received notice from a place called Brittany and Gaines garnishing my wages. 
The legal document has my name on it. 
But the name and last known mailing address are not mine. 
I have never heard of XXXX XXXX XXXX and I have never ever lived at or even heard of the last known mailing address listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX. 
I do not know who or where that is. 
I have owned my home and lived there for more than 20 years and that is not nor has ever been my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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 writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and my local police department. Attached, you will find copies of my FTC identity theft reports and my police report for your records. 

I have also mailed a copy of these documents to Experian and XXXX. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.

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 2024-06-01 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 exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's 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 2024-06-01 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: AZ

Complaint narrative:
1st of all Experian and the reporting agencies did not get my consent in any form to share my information with any parties! The information is inaccurate and furthmore they are acting as though they are representing me. Under the FCRA USC 15. 1681 ( B2 ) what they have some is illegal.They show accountants that is well over 7 years! They have statements indicating that they had consulted with the dark web to ascertain my emails XXXX/XXXXXXXX Most of the addresses are in error are have been misconstrued. Some of these accounts are in litigation. It's all wrong fouled up!

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : 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 2024-06-01 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I contacted Equifax for more information on account XXXX XXXX XXXX XXXX ending in XXXX XXXX, they responded back via mail with a letter stating my XXXX Date of Delinquency is reporting as XX/XX/XXXX. 

Today is XX/XX/XXXX I contacted Equifax again to get the account removed as it would have reached the 7 year statute of limitations law. I spoke to Representative XXXX and hes stating the XXXX Date of Delinquency has not changed it has always been XX/XX/XXXX. Which is incorrect and will be uploaded with my complaint. 

The date of the XXXX date of delinquency would have made 7 years XX/XX/XXXX and is now changed just days before its supposed to fall off, which is a violation to the Fair Credit Reporting Act. 

Federal law prohibits collection agencies from changing the original delinquency date of the debt. I have documents showing the original date has been changed. 

Not to mention this account has already been removed from my XXXX and XXXX reports due to it has hit the 7 year mark. This account should no longer be listed on my Equifax credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are in violation for reporting unauthorized collection accounts on my credit report. Collection agency didnt send me anything to verify this account. Please see the attached FTC report and remove the following accounts from my credit report : 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 2024-06-01 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: TX

Complaint narrative:
You are in violation for reporting unauthorized collection accounts on my credit report. XXXX XXXX didnt send me anything to verify this account. Please see the attached FTC report and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my Experian account is showing XXXX was paid on time, XXXX was XXXX  days late, and XXXX was XXXX days late, However XXXX shows XXXX was paid on time, XXXX was XXXX  days late and XXXX was paid on time, XXXX shows XXXX was paid on time, XXXX was XXXX  days late XXXX was XXXX  days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you

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 2024-06-01 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: TN

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 USC 1681. 
Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

I looked at my Experian credit report on XX/XX/2024 and notice some things are incomplete and not accurate and accounting 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 induvial about whom the report relates to according 15 U.S.C 1681c. ( e ) ( b ) 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause 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 2024-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I filed a complaint with CFPB ( Complaint # XXXX ) regarding fraud by my school and being steered into this private loan by the fraudulent school. I wasn't informed that the loan wasn't a government loan and couldn't be consolidated and would have much higher interest rates than the government alternative. 

When I filed the prior complaint, Navient denied me the loan discharge application for fraudulent schools, stating that my type of private loan ( Tuition Answer ) wasn't eligible. Navient shouldn't be able to avoid sending the application because of the title of the loan. It's a private loan from Navient, the name shouldn't matter. There was clear fraud by the school as detailed in my last complaint and well documented by the Department of Education as they are the ones who shut down the school for fraud. 

Navient shouldn't deny an application because of the loan type.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605XXXX requires us to report any incorrect accounts being reported on a consumer 's report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : 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 2024-06-01 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: NM

Complaint narrative:
Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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 exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's 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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I opened my Capital One XXXX card last year, and XXXX of the stated benefits that I knew I would use is the ability to share miles with other XXXX cardholders, which my XXXX  has one as well. Once I put spending on the card and received miles into my account, I then went to go to transfer miles to his account for him to use, but when I tried, it would not give me this option. I called on XX/XX/year> to inquire why, and after being transferred to a supervisor, was told that " yes this is a stated benefit of the card, but for some reason, it is not letting you make the transfer. '' She agreed this should be an option on the account, and referred it to another department to fix the issue. 

The other department responded to me on XX/XX/XXXX and simply said, " Unfortunately, we are unable to transfer your rewards because your account is in an unredeemable status. '' There is no explanation as to why. This is unacceptable to find this out after I have already spent money on the card, and no offer how to resolve. Capital One had no problem accepting my charges, but when trying to use a stated benefit on the card, they are unwilling to help. If this benefit was somehow removed since applying, they would have needed to notify me. And if there is some other reason why, they need to fix it. It is unacceptable to charge me a renewal annual fee and not even provide the benefits that were in the stated account terms. I even reached out about a refund on XX/XX/XXXX, and they ignored that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MS

Complaint narrative:
i sent the CRA 's letters on XXXX, disputing the inaccurate and incomplete accounts they are reporting on my credit report. 15 usc 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED A COPY BELOW FOR YOUR REFERENCE

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 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

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 2024-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was trying to buy a house.I realize I had damages on my report according to the laws 15 U.S.C 1681 there shouldnt be any damages on my report it is defamation to my character. According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove these from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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 XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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