vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: NJ

Complaint narrative:
My estranged XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX has a history of using my social security number and has negatively impacted my credit previously. I worked very hard back in XXXX to have all items which i found to be his removed from my name/credit. However, recently my family and i applied for a new home because our lease is up and the background checks are showing I have an eviction in Florida ( father 's state of residence - False Eviction Record due to Identity Theft / Case # XXXX ). 

We reached out to XXXX for example to have this removed but still nothing has been removed and any property we apply even if using background check services other than XXXX my fathers eviction continues to show up under my name on all reports. 

I am almost positive if these people would check the birthday, place of residence they would see he is an older man living in Florida, they would see it isn't me. I haved lived and worked full time in NJ the past 16 years. 

Below is some additional information about my father that may help. He even has photos on XXXX in the house which he was evicted from in XXXX in FL. 

I looked up the public court record of the eviction and also reached out to the landlord and lawyer to let them know this wasn't me. 

Time is of the essence as my lease ends XX/XX/XXXX but no one is willing to rent to me & my family due to this error. 

I also am calling SS office tomorrow to request a new SS number as this has happened multiple times throughout my life but this is by far the worst he has done as it is now impacting my entire family. 

We also saw there is an open XXXXXXXX XXXX XXXXXXXX account in FL under my social which i am working on but this eviction is the most important at this time as my family & I need a place to live and this preventing us from finding one. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Last known place of Employment : XXXX XXXX XXXX XXXX XXXX, FL ) Known Residences : Multiple locations in Florida such as XXXXXXXX XXXX XXXXXXXX FL, XXXX, he also resided in GA for sometime. 

Thank you in advance for your assistance resolving this situation, we look forward to hearing you as soon as possible, please find our contact information below. 

Our Contact Info : 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 explanation
Consumer complaint received 2023-05-08 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: NJ

Complaint narrative:
My estranged XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX has a history of using my social security number and has negatively impacted my credit previously. I worked very hard back in XXXX to have all items which i found to be his removed from my name/credit. However, recently my family and i applied for a new home because our lease is up and the background checks are showing I have an eviction in Florida ( father 's state of residence - False Eviction Record due to Identity Theft / Case # XXXX ). 

We reached out to XXXX for example to have this removed but still nothing has been removed and any property we apply even if using background check services other than XXXX my fathers eviction continues to show up under my name on all reports. 

I am almost positive if these people would check the birthday, place of residence they would see he is an older man living in Florida, they would see it isn't me. I haved lived and worked full time in XXXX  the past 16 years. 

Below is some additional information about my father that may help. He even has photos on XXXX in the house which he was evicted from in XXXX in FL. 

I looked up the public court record of the eviction and also reached out to the landlord and lawyer to let them know this wasn't me. 

Time is of the essence as my lease ends XX/XX/XXXX but no one is willing to rent to me & my family due to this error. 

I also am calling SS office tomorrow to request a new SS number as this has happened multiple times throughout my life but this is by far the worst he has done as it is now impacting my entire family. 

We also saw there is an open XXXXXXXX XXXX XXXXXXXX account in FL under my social which i am working on but this eviction is the most important at this time as my family & I need a place to live and this preventing us from finding XXXX. 

XXXX 's Details XXXX XXXX XXXX XX/XX/XXXX Last known place of Employment : XXXX XXXX XXXX XXXXXXXX XXXX FL ) Known Residences : Multiple locations in Florida such as XXXXXXXX XXXX XXXX FL, XXXX he also resided in GA for sometime. 

Thank you in advance for your assistance resolving this situation, we look forward to hearing you as soon as possible, please find our contact information below. 

Our Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
I have contacted XXXX on this account and have completed forms that they requested me complete and was told they will have account closed and they do then a few months goes by and it appears again on all three-credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: 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 USC 1681. Account name : XXXX XXXX XXXX # : XXXX, Account name : DEPT OF EDUCATION/XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-05-07 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: TN

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the cfbp, federal trade commission, and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed sevearl things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fusion Auto Finance
State: NY

Complaint narrative:
Inaccurate Information reported to Credit Bureau. 

To whom this may concern, this is the 2nd time in a matter of months that my auto loan with this lender has reported an inaccurate balance and increase to the credit bureau. The first inaccurate report was corrected in a few days however, this second inaccurate report is now becoming frustrating. I am in the middle of purchasing a home and this incorrect information is becoming a burden to deal with. It makes being a consumer for this lender completely undesirable. Can someone please get back to me immediately with a response and a quick solution for rectifying this incorrect information once again immediately please. For the past XXXX years I have never had a problem with this lender. For the past XXXX months, this issue has been completely ridiculous. I have attached the information that I need corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$2600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Rental Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I leased my XXXX XXXX in California in XX/XX/XXXX. In XX/XX/XXXX I moved to texas and decided to buy out my lease on that date. I went to XXXX XXXX to pay for registration and pay for sale tax because this is personal use vehicle. I dont have business and this is my personal use. I just got 4 mails from XXXX  financial services stated that I own them personal property tax for my lease in XXXX. I already purchased this car in XX/XX/XXXX. They should take off my vehicle Vin number out of their inventory list so XXXX XXXX dont have to send bill to them. I went to XXXX XXXX regarding about this matter and they said nothing to do with me, XXXX XXXX sent tax bills to XXXX because the vehicle still on their inventory. I tried to reach XXXX from their support website and no one reply back to me and try to solve this problem. I got bills again and said I have 10 days left to pay them. This is harassment and it is not about money, I dont like to pay for their mistakes and now will lead to send me to collections for the debts I dont own. Bad business and seem like no one help. Please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( 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 2023-05-08 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo had on going fees that happened around 2019

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/XXXX  My 3 credit bureau need to be update soon is posible Im in process to get a house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/2022 My 3 credit bureau need to be update soon is posible Im in process to get a house

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 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have negative balance on my discover account, discover owe me {$570.00} US dollar. I want the money transferred to my bank account, but they wont allow it and didnt give me a clear reason. And they removed my negative balance for no reason and always need the someone to check it before reinstate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Please update this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 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: TX

Complaint narrative:
I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/XXXX  My 3 credit bureau need to be update soon is posible Im in process to get a house

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 2023-05-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief