vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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: SC

Complaint narrative:
COMPANY XXXX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON 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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
FRAUD. CREDIT CARD WAS OPEN FRAUDULENTLY. PLEASE REMOVE OFF CREDIT REPORT AS IT IS AGAINST THE LAW TO REPORT ON CREDIT REPORT. THIS ACCOUNT WAS OPENED AND USED UNDER MY NAME FRAUDULENTLY. PLEASE REMOVE IMMEDIATELY. THIS COMPANY DOES NOT RESPOND AT ALL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
FRAUD. CREDIT CARD WAS OPENED FRAUDULENTLY. I NEVER APPLIED FOR THIS CARD. CARD WAS OPEN UNDER MY NAME AND I DID NOT OPEN THIS CARD. THIS IS FRAUD. PLEASE REMOVE OFF OF ALL CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: MI

Complaint narrative:
I checked my credit report on XXXX and was shocked to find Aldous and Associates had sent a supposedly unpaid debt to my credit file unbeknownst to me. Aldous never contacted me in any fashion about the debt, and had simply sent this debt to the credit bureaus, which reduced my credit score terribly. I reported this to XXXX but they did nothing except add a statement that the debt is not known to me. Because Aldous never contacted me, I never had a chance to respond to Aldous or to get them to remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
AS OF XXXX XXXX XXXX  I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX XXXX  account # XXXX	
balanceXXXX
last active date:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
AS OF XXXX XXXX XXXX I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX  self-reported
account XXXX XXXX  
balance:XXXX
last active date: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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
as of XX/XX/2023 I HAVE NOTICED FRAUDELENT ACCOUNTS AND INQUIRIES BLEOW IS THE ACCOUNT IAM DISPUTING NOW account name : XXXX XXXXXXXX account # : XXXX date last payment : XXXX BALANCE : XXXX $ INCOMPLETE ACCOUNT XXXX  IS GROUND FOR REMOVAL FAIR CARES ACT

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 2023-04-16 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:
I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX acct # : XXXX Amount : {$580.00} XXXX XXXX  acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS.as of account XXXX XXXX apple XXXX XXXX  the 3 credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
FRAUD. THIS CARD WAS OPENED FRAUDULENTLY UNDER MY NAME. I AM A VICTIM OF IDENTITY THEFT AND I WANT THIS CARD THAT I DID NOT APPLY FOR REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY.

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 2023-04-16 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: SC

Complaint narrative:
COMPANY EQUIFAX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencies 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 7 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 non-monetary relief
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencies 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 7 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 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I Would like this XXXX item removed off my credit because the debt that is on my credit wasn't done by me. I have no knowledge of who attained my information. The information that is reporting on my credit is inaccurate and it need to be removed asap, i contacted XXXX was no help they couldn't do anything to better assist me. It indicates the account was opened XX/XX/2023 with out my knowledge. The the total sum I have to pay is {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX ( Original Creditor : 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 2023-04-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: FL

Complaint narrative:
After reviewing my credit report I have noticed that my personal data has been compromised and these companies listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received or requested any services from these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: FL

Complaint narrative:
After reviewing my credit report I have noticed that my personal data has been compromised and these companies listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received or requested any services from these companies

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 2023-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
XX/XX/ i have noticed fraud accounts and inquiries these fraud accounts must be removed from credit profile now! 

account name : DP OF EDUC ACCOUNT # : XXXX BALANCE : XXXX $ PAYMENT STATUS : CURRENT LAST PAYMENT DATE : XXXX LAST DATE ACTIVE : XXXX MONTHLY PAYMENT : XXXX $ THE ACCOUNT # IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL " FAIR CARES ACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: KY

Complaint narrative:
The wrong information is on my credit report. Ive tried reaching out to Equifax and report my identity theft and it will not let me. It even has the wrong name for me. It says formerly known as XXXX XXXX. Ive never been known by that name. My credit has fraudulently names and addresses. Someone stole my passport and social security card. And in 2018 I had my car stolen with my drivers license and social security card stole. Ive had fraud for years and I didnt know it until recently. Please help me. I cant even get a freeze or fraud alert as it says its u available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM FINANCIAL HAS COMMITTED FRAUD. GM FINANCIAL HAS VIOLATED PLENT OF LAWS, CAR CONTRACT IS FRAUD AND NEEDS TO BE REMOVED BECAUSE OF FRAUD, HARASSMENT, PAIN AND SUFFERING, ILLEGAL CREDIT REPORTING, ILLEGAL REPOSSESSIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XXXX I applied for the American Express Plum Card. My application was almost immediately declined. 

I tried using the American Express online application status function, but it failed to give the reason why the application was declined. 

I phoned American Express to obtain the reason, and they refused to tell me. 

Now, over one month later, American Express has failed to provide information required by law as to the specific reason why that application was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MOHELA
State: PR

Complaint narrative:
In accordance with the fair credit Reporting Act Accounts # XXXX, and Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NY

Complaint narrative:
AS OF XX/XX/ I HAVE NOTICED FRAUD ACCOUNTS AND INQUIRIES THIS IS ONE OF THE FRAUD ACCOUNTS THAT MUST BE REMOVED NOW! 

account name : XXXX self-reporting account # : XXXX account type : Installment last reported XXXX last payment XXXX  last date active : XXXX incomplete account # is grouns for removal of this account " fair cares act ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
Multiple addresses that dont belong to me Numbers and my name is spelled different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: FL

Complaint narrative:
US. Bank is one of the owners of XXXX XXXX XXXX, a consumer reporting agency is reporting an account that was included in a bankruptcy I file more than 10 years ago. This account should not even reported to XXXX XXXX XXXX  because it was part of the bankruptcy. Since they are the owner of such service they feel they can do. what ever they want. US Bank at the time I opened the account was an issuer of secured credit cards. In order to get the credit card I had to deposit {$300.00} into a savings account at the bank. After a few years I had to file bankruptcy on the amount that was used on the credit card. At the time US Bank would not simply take the security I put up the cure the debt. Also they would not return the {$300.00} after the bankruptcy was discharged. Now dating back from XX/XX/2022 they have the account listed as Saving Closed-Purged. By the definition they have listed on XXXX XXXX XXXX a company that the bank partially owns it says I mishandled the bank account. Filing bankruptcy something I had legal right to do should not translate to me or anyone else mishandling an account. This entry they have listed on XXXX XXXX XXXX a company owed by US Bank is causing me to not be eligible to open an account at other banks.

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XXXX  I attempted to add my wife, son and daughter as additional card members to my American Express Gold Card. In my 27-year experience with American Express , additional card members are added immediately. In this case, however, they were not. 

I called AmEx to inquire and was told it may take a few days, but never given a reason why. 

Even two weeks later, American Express refused to add the additional card members and has refused to state why. These same individuals were additional card members previously, but I removed all additional card members when I was subject to identity theft issues. Now that I have those issues under control, I wanted to re-add them.

Company response to consumer: Closed with explanation