vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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:
I noticed several accounts on my credit report that does not belong to. 

XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: CBC Companies, Inc.
State: FL

Complaint narrative:
factual data Mortgage Reporters Contact info Address XXXX XXXX XXXX XXXX XXXX, OHXXXX  Phone number ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting actXX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # XXXX, XX/XX/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 states a consumer reporting agency can not furnish a account without my written instructions.,

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 2022-06-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # XXXX, 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 states a consumer reporting agency can not furnish a account without my written instructions.,

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 2022-06-17 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: FL

Complaint narrative:
Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to 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 2022-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.

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 2022-06-17 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: OR

Complaint narrative:
to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I initially applied for an XXXX XXXX through XXXX bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. XXXX responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to Spring Oaks Collection as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from XXXX saying I am not responsible to Spring Oaks. Today I received an email from Spring Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. 
Please see all attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i never was late with my credit card

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 monetary relief
Consumer complaint received 2022-06-17 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: MI

Complaint narrative:
Id like the hard inquiry from XXXX XXXX from XX/XX/2022 on my Experian report removed. Its a non account holding inquiry. 

I believed I was on a pre-qualification / pre-approval website when I got that hard inquiry. The website was an articles that gave a list of pre approval credit card offers that only used a soft inquiry. From what I thought was a soft inquiry a credit account was approved using a hard inquiry. I never used the card bc I didntnintentiwlly open it. 

XXXX informed me they sent a letter to all credit bureaus to remove the inquiry and any other info relating to what was supposed to be that soft pull. 

I spoke to Experian about it, they said I had to get the creditor to send that letter. 
The creditor told me they sent it to all 3 bureaus. 
I asked Experian if they received it, the rep said he couldn't tell. 
Any time Ive had communication with Experian about any matter, Ive asked them to resolve this. 
I called XXXX  XXXX since I couldnt find out if they received the letter when I spoke to their rep. I asked them if they could resend the letter or if I could get a copy I was told no. 

Id just like that hard inquiry for XXXX  XXXX from XXXX removed. Thats all. I need my inquiries for applying for credit products I want. 

Id just like that hard inquiry removed and my credit report undated ( not wait for a month to see it removed. ) Any assistance you can give to resolve this is appreciated.

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 2022-06-17 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: GA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX  Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX  Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX  Failure to perform an investigation per fcra regulation

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 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX/ XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX Acct # 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

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 2022-06-17 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: WI

Complaint narrative:
So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.

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 2022-06-17 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: WI

Complaint narrative:
So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.

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 2022-06-17 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: Certegy Holdings, LLC
State: FL

Complaint narrative:
Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to 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 2022-06-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, DEPT OF ED / XXXX account # XXXX balance of {$1000.00} DEPT OF ED / XXXX account # XXXX balance of {$2300.00} DEPT OF ED / XXXX account # XXXX balance of {$5100.00} XXXX XXXX XXXX XXXX. 
account # XXXX balance of {$3600.00}. These have 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.

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 2022-06-17 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is not my current address which needs to be deleted from credit reports 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 an account without my written instructions

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 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Reporting Credit Act XXXX Account ( XXXX ) *XXXX XXXX  XXXX XXXX XXXX ; *XXXXDept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXXXXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.

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 2022-06-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 ), 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 an account without my written instructions.

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 2022-06-17 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: TX

Complaint narrative:
Experian is reporting an old address that is 4 years old and I do not receive mail at that location. I sent letters requesting for bureau to have it removed but no response. This is the only bureau that reposts this old address. 

The only name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

Company is reporting a XXXXXXXX XXXX XXXX XXXXXXXX TX. This is in accurate 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 non-monetary relief
Consumer complaint received 2022-06-17 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: AR

Complaint narrative:
On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, XXXX and Equifax explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and dept of XXXX. The following accounts that are reporting inaccurately on my XXXX report are : XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inaccurate accounts reporting on my Equifax report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't ), Dept of XXXX, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: AR

Complaint narrative:
On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, Experian and XXXX explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and XXXX XXXX XXXX  The following accounts that are reporting inaccurately on my Experian report are : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate accounts reporting on my XXXX report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't )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 2022-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Although their investigation shows that they received request for automobile financing on my behalf for both XXXX XXXX XXXX and XXXX, they denied me credit twice ( XX/XX/2022 and XX/XX/2022 ) which is a violation of 15 USC 1601, 15 USC 1611 and 15 USC 1691 .

Company response to consumer: Closed with explanation