vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: AZ

Complaint narrative:
I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: AZ

Complaint narrative:
I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have reached the statute of limitations and should be removed from my credit report. 

The XXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX )XXXX XXXX  ( account number : XXXX ), and XXXX XXXX account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX  have reached the statute of limitations and should be removed from my credit report. 

The XXXXXXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXX ), XXXX XXXX  ( account number : XXXX ), XXXX XXXX ( account number : XXXXXXXX XXXX XXXX  ( account number : XXXX ), and XXXX ( account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX  account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-15 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: MD

Complaint narrative:
There are shady credit card company by the name of XXXX n my credit report that shouldn't be there there are addresses that I have never resided there but there on my report. There are a list of double inquires from the same company and also there are a long list of old inquiries that do not belong there. They have been added due a breach class action in which I was a part of. This has caused me miss several business deals and loan approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: DC

Complaint narrative:
The account was opened on XX/XX/XXXX, On XX/XX/XXXX I mailed letters of violation of code 15 USC 1681a ( e ) notifying them of my wrights.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is a formal complaint of inaccurate and incomplete credit information on my credit report.I am distressed that you included the following in my credit profile : -incorrect name -incorrect address -incorrect telephone -errors -unauthorized inquiries -Errors of hard inquiries

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 2023-03-15 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
Requested a Fobearance on XX/XX/XXXX, was looking sell my house and purchase a new build ranch style home because I am disabled. On XX/XX/XXXX had credit report ran by XXXX XXXX XXXX  who notified me of this I have been disputing this and Im getting no where and records show two different for race date Im being run around in circle, Im being told lies on when to call back and this has really damaged my credit I can even do anything which what has happen. They set up an auto pay without my consent and I had be paying during forbearance to get caught only to be this I was overpaying during this forbearance. 
Please help I alone in this, do I need an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a complaint ( complaint # XXXX ) on XX/XX/23 on Experian. My complaint was closed and marked as a duplicate on XX/XX/23. This is NOT true. This is not a duplicate. If you would have actually read the complaint, you would know this... 

Here is another copy of the previous complaint : I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. See pages 16, 17, 18, 19, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

A proper investigation was NOT completed. If it were, then ALL of the information from ALL 3 credit reporting agencies would be complete and accurate.

You now have 15 days to do as I ask. I've already consulted an attorney. You are reporting inaccurate items and I want them deleted NOW!!!

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 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I keep getting letters from XXXX XXXX for an address in texas. XXXX XXXX XXXX XXXX, XXXX TX XXXX. I do not live there this was clearly an act of identity theft that I have reported several times to my credit bureau. This is from last year I already reported this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$3600.00}.

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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX XXXX is STILL inaccurately reporting account information on my credit report. 
Under 15 USC 1681 ( a ) ( i ) I have the right to have erroneous, inaccurate information deleted from my credit report! 

On my XXXX report dated XX/XX/23 Santander has the account as charged off. 
Then they should not be reporting an open balance. As you can see from my paperwork presented to you there is an open balance of {$8000.00}! 

SECONDLY, THEY HAVE A CHARGE OFF AMOUNT LISTED AS {$8900.00}. THIS IS DIFFERENT THAN THEIR OWN BALANCE AMOUNT OF {$8000.00}! 

This account needs to be deleted from my credit report! 
I have contacted them several times. But no results have come from these communications!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX  and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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 2023-03-16 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX : {$17000.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I received an email dated XX/XX/XXXX from my credit monitoring service XXXX  stating that there was a new bank account attempt in my name on XX/XX/XXXX. Also on XX/XX/XXXX I received an email from Axos bank welcoming me as a new checking account customer. I have never heard of Axos bank and did not initiate contact with them. On XX/XX/2023 I called Axos Bank to inquire about this fraudulent account. The customer representative could not help me but said to email my concerns to XXXX so I did. I never heard back from them. On XX/XX/2023 I called Axos bank again in the hope of getting some resolution. I spoke to a customer service representative XXXX explained what was happening and she gave me a case number XXXX. She informed me that she would not be able to provide any further information. I have had no further contact with the bank or any information of this account. I did not open an account with Axos bank, and they appear to be unconcerned. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX. This creditor has violated my rights. 

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

15 USC 1681 Section 604 A section 2 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 under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  This creditor has violated my rights. 

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

15 USC 1681 Section 604 A section 2 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 under and open end consumer credit plan as late for any purpose.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a Menards Big card to receive 0 % financing on a purchase I made on XX/XX/XXXX. I made the purchase and selected 0 % for 12 months on my order. When I received the bill from capital one I was unsure if the promotional financing applied because it wasnt clear. I contacted capital one on XX/XX/XXXX and they submitted a request. They said it would take 10 days to process. I asked what I should do in the meantime because I needed to make a payment on XX/XX/XXXX. I was told I should at least make the minimum payment which I did. After making the payment I received notice that my request was denied. I contacted capital one again and was told they would process another request and requested I contact Menards. I filled out a request online for Menards and they gave me info to contact capital one. I then called Menards XXXX Michigan location on XX/XX/XXXX and talked to the front manager XXXX or XXXX. They got all of my information and told me they would call me back by XX/XX/XXXX. This never happened and I have been unable to get ahold of them. I can not find other contact information from Menards and I have not received further communication from Capital one. As a result of this I have received finance charges over 2 months for what I though was the 0 % special financing that I selected on my order. To add to the confusion if I hadnt selected 0 % financing I was to receive an additional rebate instead. When I questioned capital one about this on XX/XX/XXXX I somehow received notice within 2 hours of the conversation that I was getting a rebate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX : {$17000.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.

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