vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: MI

Complaint narrative:
Its almost 10 accounts opened fraudulently I attached the police report so you can see the amount accounts and dates they were opened. I did not do this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
This is my formal request to you for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounst. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX 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 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 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 explanation
Consumer complaint received 2023-08-16 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: CA

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable public record that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this public record. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 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 2023-08-16 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: CA

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable public record that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this public record. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 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 2023-08-16 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: NE

Complaint narrative:
I would like to file a formal complaint against Discover Card with yet another example of their fraudulent customer practices. When I applied for a Discover Card in XXXX from the application Discover Card sent me, I asked for a balance transfer of {$23000.00} from a credit line since Discover was advertising a lower introductory interest rate on balance transfers. Instead of granting the amount requested, Discover issued a card with a credit limit of {$5000.00}. In todays mail, I received a Discover Card bill showing Discover subsequently transferred a balance of {$4700.00} from the credit balance of {$23000.00} without my authorization or intent. Additionally, Discover billed {$140.00} for this transfer that I did not request nor authorized. Discover has subsequently promised to close the credit card because I refuse to comply with Discovers subsequent fraudulent and illegal requests for a certified copy of my drivers license. 

Please require Discover to under to balance transfer of {$4700.00} Discover fraudulently completed without my authorization and remove the {$140.00} fee Discover is charging for the fraudulent transfer. 

I have never previously dealt with a company with such poor customer service and fraudulent, unauthorized activity in all my 71 years. Discovers Executive Office is continually unavailable and does not listen to customers. I found a website with multiple complaints about Discover and added my initial complaint. I will be demonstrating this additional fraudulent activity on as many websites as possible to help make others aware of Discovers ongoing deceitful activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
This is my formal request to you for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounst. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXXBalance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$5900.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX  Balance : {$20000.00} ; XXXX XXXXXXXX Balance XXXX {$10000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXX/XX/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 2023-08-16 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: TX

Complaint narrative:
This is my formal request to you for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounst. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXXBalance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$5900.00} ; XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX  Balance : {$20000.00} ; XXXX  XXXX Balance XXXX {$10000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$9200.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: CO

Complaint narrative:
In accordance with the fair credit Reporting act Capital One Account # XXXX and Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: OH

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 explanation
Consumer complaint received 2023-08-16 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # 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. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
My wife and I attempted to transfer {$200000.00} from our KeyBank savings account to a Fifth Third Money market account on XXXX via a KeyBank Official Check ( copy attached ). On XXXX XX/XX/2023 we received a letter ( copy attached ) from XXXX XXXX informed us that our account was on temporary hold : Confidential information that check XXXX not be paid. In a XXXX XX/XX/2023 letter XXXX XXXX states : Reason for hold on deposit : Confidential information that check may not be paid by the paying bank. It appears from the letter that XXXX XXXX Bank is stating that KeyBank for some confidential reason XXXX not be paying the check, however we request that KeyBank investigate and provide details and clarification why the check was not paid. After all we paid {$8.00} to have this check processed by KeyBank and a very large sum of money was subsequently held from us for an unreasonable period of time. There is absolutely no reason why this information should be " confidential ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I would like to file a complaint against Equifax A few months ago, I learned from XXXX lenders, and an insurance agent, I learned that Equifax in XXXX, XXXX, and XXXX of XXXX, Equifax had gone through my whole credit file, re-aged all old negative accounts from XX/XX/XXXX, to now show as if I have new XXXX collections, past dues, and charged off accounts. 

Unjustifiably they have continued to continually lower my credit score, all the way to the low XXXX. They are intentionally not updating and following my true financial credit information, what they are reporting is falsehoods, and lies instead On my credit file, Nebraska XXXX who I have had nothing to do with since XXXX of XXXX, 4 years ago. 
Equifax allows them to report false fraudulent past due amounts, and fraudulent monthly past due payments onto my credit file. 

Every year including XXXX, Nebraska makes it seem as though I owe them recent past due monthly payments, and a balance, which is a lie. 


In XX/XX/XXXX, I had filed another complaint with the CFPB against XXXX Bank, and its collection cohorts, I have had nothing to do with any of the above for over 4 years, yet they always retaliate and re-age and lie and place false status information onto my credit files. 

And they find someone at the credit bureaus it seems, like someone at Equifax, took ALL old XXXX negative accounts on my credit file, and they re-aged the accounts to look as though they became negative as of XXXX, XXXX and XXXX of XXXX. 
This was done intentionally and in collusion to cause irreparable damage. 

I have attached a recent denial letter from XXXX card services, and all of the reasons that I was denied credit for, due to the unjustifiable, untrue information that Equifax is providing to creditors, is inexcusable. 
For years Equifax has carelessly not been updating my credit file accurately, and they will report anything that will have me denied credit, as well as keep my credit score at a FAILING level.

Company response to consumer: Closed with explanation