vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-25 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
XXXX XXXX XXXX opened XXXX XXXX amount {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00}

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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified this inquiry as inaccurate and unauthorized. I have not provided consent for this inquiry, nor do I have any affiliation with the creditor listed.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I notice a lot of fraudulent hard inquiries on my credit report over the last few years, I was u aware of this.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX OF XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 seven 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Per previous response with the complaint they acknowledge that as of XXXX XXXX they reported a balance {$23000.00}. I have submitted and sent an ample amount of proof to show what the credit bureaus are showing they are reporting as of XX/XX/2024. They stated the system inadvertently switched it back. However, they are also stated that a sale of the vehicle was done. Now, the amount inadvertently updated back to the XXXX and inadvertently went back from the XXXX to the XXXX and but has been updated with the sale of the vehicle. If the account inadvertently went back to the inaccurate amount and was never corrected again and sold the vehicle the reporting is incorrect. Furthermore, they have not supplied me with a letter showing the vehicle was sold. I am not sure what the vehicle has been sold for which is another discrepancy. Needless to say, I have not been proved an opportunity as a consumer to even settle the debt or pay it. They went straight to charging it off without even telling me whats left on the vehicle and after this inadvertently mishap the system did but was never corrected. They took the time to correct it after me process a complaint to the XXXX, but allowed their system to inadvertently change it back and not correct it but state it was sold in auction and then updated. Thats failure on so many ends as a company and violation of many FCRA laws. Theyre also reporting different information to each bureau to this day. I will include all of this and this company has not done what they stated or was to do. This is a major breach and they have been allowed many attempts to correct this. Its only when I file a complaint that they fix it but it goes back to the exact reporting status. I have reported lobel as Ive found that there are multiple people making complaints and active lawsuits against them. If the FCRA and cfpb continues to allows these people and this company to negatively and continue to hurt consumers then legal actions will be taken. Because they have yet to even attempt reconciliation after the sale and went straight to charge off. As you can see on XX/XX/XXXX with one credit they updated the balance and what it shows. This company had been given almost 90 days and have yet to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Privacy and consent not given on reporting

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: StellarFinance, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and Stellarfinance Inc has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute an inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe is inaccurate and unauthorized.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found numerous accounts on credit report that were not opened by me. This has been hurting me, as I am in the process of buying a home for my family. 

Please remove these fraudulent accounts from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Pursuant to Section 611 ( e ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) these 3 accounts below have been reported inaccurately and should all be removed from the credit profile XXXX XXXX  Date opened XX/XX/XXXX Balance {$6600.00} Status Account charged off. {$6600.00} written off. {$6600.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. XXXX Experian has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter.

time and energy and financial resources have been wasted trying to resolve this matter, so I am left to file this complaint Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPBs complaint process allows for the submission of complaints by consumers it seems this law was broken by XXXX. 

and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by Experian i would like a all XXXX accounts listed above removed immediately, a swift resolution to this matter within XXXX business days no later that XX/XX/XXXX thank you 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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
There is an account that is reported on my credit reports as Transworld systems, I have received no communication from this company as to my rights or to validate the debt is mine

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Amex reports double balance amount to my personal credit report. 

My wife holds an Amex credit card and I was added as an authorized user of that account. On my personal credit report, there has always been two amex amount with exact same balance as my debts. The balance amount is the total balance of both my spending and my wife 's spending. 

For example, if I spend {$100.00} and my wife spend {$200.00}, then there would be TWO account balance with {$300.00} under my credit report. 

I've reached to amex chat channel, but the representatives said nothing they can do with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Nationwide Capital Services, LLC
State: GA

Complaint narrative:
XX/XX/year> I had an account with XXXX XXXXXXXX XXXX and they transferred the debt to this collection company National Capital Services/ Structured Settlement for {$2000.00}. I received a text message " Your past due account has been red flagged to be reviewed by our legal network. To resolve voluntarily on your own behalf and avoid further action of possible fraudulent activity call us at XXXX Send STOP to opt. '' XXXX. I spoke with original collector and he attempted to workout an arrangement for the balance of XXXX but he said his manager has better options. 
2. I spoke with the manager and offer {$1200.00} for 3 months and the manager counteroffered for {$1500.00}, Which I did accept. 
XXXX. I was transferred to XXXX the payment processing rep and she informed me that she will have to charge me XXXX for each payment by phone. When I asked why? She became defensive and started yelling at me as a customer .My concern is this matter could have been resolved if she was XXXX wiling to waive the processing him. Then she told me that she doesn't accept check payments because of the return fees to her company. Which that has nothing to to with me. I would like to send an CEASE and DESIST notification to this company. Also, I want a settlement amount of XXXX based on this poor customer service experience and feeling like I'm a criminal. I also informed them to Cease and Desist any communication over the phone.

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 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contact signed by two parties, and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make these unfair practices. According to the FDPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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