vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: MS

Complaint narrative:
This is my 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 inaccurate 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 following items : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00XXXX XXXX XXXX  XXXX Balance Owed : {$680.00} XXXX XXXX XXXX  XXXX Balance Owed : $ XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/2023 I inquired my credit report from Experian for first time home buying purposes When I viewed it I was devastated at the inconsistency of the report and began disputing them Personal information My Name is XXXX XXXX It has never been XXXX XXXX Experian for years allowed creditors to report debt to my credit file Under two different social security numbers They had my social security number as XXXX Instead of my accurate social security number This is identity theft Because of this Ive asked to remove all inquiries reporting debt and unless they are willing to inquire the financial liability of those debts from allowing debtors to report to a fraudulent profile then all items shall be removed There are various addresses that I asked to be removed that they claim are verified I only want one address one name on my credit profile Multiple addresses on my credit profile are leasing offices to places Ive never been or dont lead to anywhere Ive also asked that those items are removed because how can you report a debt to a residential source that doesnt exist this is identity theft All inquiries that reported to Experian while they had the wrong personal information on my account especially the wrong social security number should refrain from reporting debt or collection because it is identity theft related As I exercise my rights to privacy and rebuild my credit profile. 

It is my understanding that you will recheck these items with the Experian who has posted them. Please remove any information that was reported in identity theft while Experian allowed debit to be reported under a false profile. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

15 U.S. CODE 1681 15 U.S. CODE 1681B 15 U.S. CODE 1681 C-2 15 U.S. CODE 16815-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MS

Complaint narrative:
This is my 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 inaccurate 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 following items : XXXX CXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-20 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: MS

Complaint narrative:
This is my 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 inaccurate 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 following items : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX  Inquiry Date XXXX XXXX  Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - tied up XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed my personal information with transunion. They did nothing. Provided proof of identity theft and my correct address yet I still see address that arent mine resulting in account that were created by the fraudulent person being listed. 

Addresses that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, la XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: LA

Complaint narrative:
Self lender is closing my account after taking my money. I proved I was me after making two payments on the account they closed the account and kept my money saying it was suspicious activity wont give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CIG FINANCIAL LLC
State: LA

Complaint narrative:
Cig financial is still reporting a vehicle that was a total loss on my report. They picked the vehicle up back XX/XX/2022 and sold the vehicle to another person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have an account with PNC. A refund of {$300.00} was issued to me on XX/XX/2023. PNC has not credited this refund to my account. They opened a dispute on my behalf instead. 

When I spoke with the company that issued the refund, they provided me with the refund date, transaction number, amount, and card number they issued the refund to. 

I have attempted to provide this information to PNC, who refuses to take it. They are insisting that a dispute must be conducted via snail mail. I informed them I do not have a printer and could email the information to them. They refused and said they will only correspond on this matter via snail mail. 

I am not certain why they are refusing to assist in any kind of timely manner. I am not going to go out and buy a printer, or pay for a cab to go somewhere that will charge me to use a printer, just so they can credit my account with money that should already be there. 

I am attaching the information for you. Maybe you'll have better luck than I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Vehicle loan thru XXXX is still showing it as open and having a XXXX $ balance as of XX/XX/XXXX it should have been closed and fell under under service member credit relief act. Since I was a XXXX XXXX  waiting XXXX retirement. It has caused numerous problems with me obtaining new auto loan and they typically effect my score it was open in XXXX and it should be off my credit report but instead it's still showing up as an open account and as a active loan.

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 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
None of these accounts belong to me XXXXXXXX XXXX XXXX  XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: GA

Complaint narrative:
I received an emailed about my information being the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX  XXXX XXXX XXXX {$660.00} Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an emailed about my information being the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX XXXX  XXXX XXXX {$660.00} Collection

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 2023-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received an emailed about my information being the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX XXXXXXXX XXXX XXXX {$660.00} 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 2023-05-20 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:
I have been requesting Equifax to fix inaccurate information on my credit report since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. XXXX response, Each time you response with " Verified ''. You continue to fail to investigate time and time again. You are reporting accounts that are not accurate and I have already made you aware of it and you continue to report it, that you are defaming my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXXXX/XX/ Balance : {$450.00} XXXX XXXXXXXX XXXX Date of inquiry:XXXX TSYS Date of inquiry:XXXX XXXX Date of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal refused to investigate and remove a XXXX balance credit card off my credit report. Security dept was rude and mean to me years ago and I cant get this credit card off my credit report I didnt not apply for this credit card nor I never been in the military my identity was stolen they never gave me the opportunity to filed a police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
None of these accounts belong to me XXXXXXXX XXXX XXXXXXXX XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
None of these accounts belong to me XXXXXXXX XXXX XXXXXXXX XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This Acct is inaccurate i will provide proof, Incorrect information on your report XXXX XXXX Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX XXXX XXXX  in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX  XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As XXXX  is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS 5_CFPB Response XXXX XXXXXXXX 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