vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: GA

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX  SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.

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 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.

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 2023-01-06 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: SC

Complaint narrative:
I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.

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 2023-01-06 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: SC

Complaint narrative:
I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/1973 SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX GA XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/1973 SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX GA XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Wrong reporting of information

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 2023-01-06 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Wrong reporting of information

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Wrong reporting of information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.

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 2023-01-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CORELOGIC INC
State: MN

Complaint narrative:
The current supplemental Consumer Credit Information thats currently reporting on my Core Logic , Inc credit report is all fraudulent information. There shouldnt be any reported information on my Core Logic consumer 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 2023-01-06 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am having an issue reviewing my Chex Systems Consumer Report # : XXXX online with Chex Systems.

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 2023-01-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I got an alert on my credit report that my address has been changed and a XXXX credit card was used to make {$3600.00} in purchases from online that I never spent. The bank wouldnt give me any information. They did give me a phone number associated with my credit card and an email address that was changed using their website. Someone has my social security number and logged into my account changing all of my information to make these purchases. I never received a bill nor did I make purchases. I filed a police report and sent it to the bank. They still said it was my debt! I need help. Someone has my social security number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: WI

Complaint narrative:
World Finance Corporation ( po box XXXX XXXX SC XXXX ) has closed my account/written off debt. But continuously keeps reporting that I owe a balance to them. Trying to tank my credit score on purpose this has been going on since XXXX. I initially borrowed $ XXXX {$400.00} now they are saying I owe them in the amount of {$3300.00}. I am currently in bankrupcty they are fully aware that I am and yet still keeps trying to sabotage my credit score on purpose. They have even went so far to check my credit score without my permission. My discharge date is XX/XX/XXXX if this continues I will have no choice but to pursue legal action against this company. For being in violation with the FDCPA. They are fully aware of what they are doing, and I fear that they maybe doing it to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: SANTANDER HOLDINGS USA, INC.
State: AP

Complaint narrative:
Would like to see about having Santander Consumer removed from my credit report, I used to have an auto loan with them but closed that account over a year and a half ago. I am aware of the fact that Santander is involved in litigation & in a class act lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
The following credit inquiries currently listed on my Trans Union, XXXX, and XXXX credit report are unauthorized and not my credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, and 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 2023-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was only an authorized user. Primary card holder couldnt afford credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from SANTANDER CONSUMER USA for the interest I have earned, as a result of SANTANDER CONSUMER USA trading my securities on the exchange. This has been done without my knowledge and constitutes that SANTANDER CONSUMER USA trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.

L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: LA

Complaint narrative:
I asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were deleted from XXXX and XXXX but, still appears on my Experian reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at XXXX on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.

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 2023-01-06 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2023-01-06 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: IL

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 2023-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I tried to change my password and they said they can't do it then my email is no longer on the account and got removed and without my permission they also refuse to let me change my password until I know the exact approval of a transaction and exact amount and they keep saying they can't let me in my account just to change a password

Company response to consumer: Closed with explanation