vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 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:
On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to XXXX XXXX. XXXX XXXX  attempted to pull my credit report from TransUnion, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by TU, I immediately phoned XXXX XXXX and advised them of the fraudulent application and ensured my existing accounts with XXXX XXXX  were secure. At that time I also confirmed with XXXX XXXX  that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from XXXX about an address change to my credit report. Upon speaking with XXXX, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at XXXX XXXX. XXXX instructed me that since the address was reported to them directly by XXXX XXXX, only XXXX XXXX  could have the fraudulent address removed. I immediately contacted the XXXX XXXX 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my XXXX XXXX  online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called XXXX XXXX  to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to XXXX XXXX. This is extremely unsatisfactory. 

I am currently overseas and having to mail XXXX XXXX  will take a long time and meanwhile my credit reports will contain, because of XXXX XXXX  's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is XXXX XXXX  making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.

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 2023-04-09 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:
On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to XXXX XXXX. XXXX XXXX  attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned XXXX XXXX and advised them of the fraudulent application and ensured my existing accounts with XXXX XXXX  were secure. At that time I also confirmed with XXXX XXXX  that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from Experian about an address change to my credit report. Upon speaking with Experian, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at XXXX XXXX. Experian instructed me that since the address was reported to them directly by XXXX XXXX, only XXXX XXXX  could have the fraudulent address removed. I immediately contacted the XXXX XXXX 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my XXXX XXXX  online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called XXXX XXXX  to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to XXXX XXXX. This is extremely unsatisfactory. 

I am currently overseas and having to mail XXXX XXXX  will take a long time and meanwhile my credit reports will contain, because of XXXX XXXX  's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is XXXX XXXX  making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.

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 2023-04-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Dept of Ed/ XXXX : # XXXX XXXX XXXX : # XXXX these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information.

Experian, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but Experian isnt doing its job according to the law.

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 2023-04-09 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

Experian, XXXX, and XXXX are holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but Experian isnt doing its job according to the law.

I've included a substantial amount of evidence, that is simply undeniable!

Please help correct these mistakes and wrongdoing & be of assistance for me getting my life back together Thank you

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 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2023, I turned on my TV and opened up my XXXX streaming app on I was instructed to sign up or log in by my computer and when I clicked log in I was given a code to put in. When I put in the code I was notified thatI would be helped by a XXXX agent to fix my problem. I being an older person believed I was being helped by an acutal contract agent of XXXX I allowed them access to my computer to fix my probem. Then I was coerced to accept a plan that doesn't exist. After I thought about what had transpired I contacted XXXX and they had no knowledge of any company called XXXX. I immediately contacted Paypal about the issue to file a complaint and was told by correspondance that my complaint wasn't unathorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report noticed XXXX XXXX XXXX account which is not mine. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. As a reference, please see the below FRAUDULENT accounts in question that must be DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. This company has no valid proof Ive never done business with them I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Dear Sir or Madame, Firs time i reported my identity theft was long ago. Responsible for this is XXXX XXXX I was using android platform in iOS iPhones platform and when i called to complain and report the issue an employee completly ignored my complaint, while i was in the phone with him I contacted XXXX XXXX XXXX so i would have third party witness. My Capitol one card was stolen and used I allowed XXXX XXXX support to access my mac/iphone screen even they were shocked what they heard from XXXX XXXX employee say and what they saw in my screen what was going on. Basically an emplyee was asking directly to transfer all my data to him or someoneelse not sure. But I give XXXX a complete permition to provide you guys with all information you guys need, and since of course they record phone calls i gave the lady from apple permision to provide that too. She couldnt belive what was going on i was very lucky to have XXXX assist. I contacted XXXX  they sent me a free phone trying to hush-it and I saved everything. I wrote the corporate twice in the mailing address and never heard back. I have enough proves. I am begging someone for help I am immigrant in this country been persecuted and I work so hard to better my life and all on my own. You can even XXXX my name and read my story how I got here. XXXX XXXX they have crashed my credit report.never been through any thing like this. I am giving you gays completeperition to have all my devices and anythin you guys need to help me with this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 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: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-04-09 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: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to US Bank. US Bank attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned US Bank and advised them of the fraudulent application and ensured my existing accounts with US Bank were secure. At that time I also confirmed with US Bank that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from XXXX about an address change to my credit report. Upon speaking with XXXX, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at US Bank. XXXX instructed me that since the address was reported to them directly by US Bank, only US Bank could have the fraudulent address removed. I immediately contacted the US Bank 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my US Bank online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called US Bank to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to US Bank. This is extremely unsatisfactory. 

I am currently overseas and having to mail US Bank will take a long time and meanwhile my credit reports will contain, because of US Bank 's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is US Bank making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.

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 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report noticed a XXXX XXXX XXXX account. This company is reporting a collection account that is NOT mine and is inaccurate. I have never heard of nor done any business affiliation with them. It doesnt make sense as how XXXX XXXX XXXX can be reporting an alleged debt on my credit report According to Fair Credit Reporting Act ( FCRA ) everything on my consumer report/ credit profile must be accurate, and verifiable if not that information must be deleted. If the consumer reporting agencies are supposed to exercise their responsibility with fairness, impartiality, and respect for my right to privacy, why you not doing that? You are in VIOLATION of 15 USC 1681 section 602 A. As a reference, please see the below FRAUDULENT accounts in question that must be DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. This company has not valid proof Ive ever done business with them because I have not. I did NOT give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2. According to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.

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