vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report to paid, never late.

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX the investigation was proven that the XXXX late payments that were reported to all 3 credit bureaus were inaccurate. It was supposed to be corrected on my credit report after 60 days but my credit score has not increased. The late payments were removed within that month but my 3 credit bureau scores did not change. This investigation happened with 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 2024-04-11 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: CA

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I already disputed these accounts and they continue to be reflected incorrectly on my credit report, I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit report act this creditor Capital One bank has violated my rights under the 15 US code 1681 section 602. States I have the rights to privacy. 15 US code 1681 section 6048 section 2 also states a consumer reporting agency can not furnish an account without my written permission. Code 1666B states credit may not treat the payment credit card account on the open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GREENSTATE CREDIT UNION
State: MN

Complaint narrative:
On XX/XX/2024 I received a mail notice that a $ XXXX XXXXmonth CD held at Greenstate Credit Union had come to maturity a few weeks before, and had been automatically renewed into a longer tier, lower rate CD. Per the CD contract we should have received, via mail, a maturity notice -- as we have in the past with other CDs with the institution. Attempts to discuss with Greenstate over their member secure chat, over the phone, and finally over email with their Member Assistance Center Service Supervisor all lead to them saying that they mailed a notice to us, and since we did not respond within 10 days of maturity they rolled our account over ( per contract ) and it would be an on the order of {$400.00} penalty to regain access to these funds ( in their stance, " break '' the new CD ). We did not receive the maturity notice, and Greenstate can not provide any evidence of delivery of the notice beyond stating the USPS indicating it reached to within our zip code. They indicated an email was also sent ; however, in reviewing retrospectively there was not indication of relevance to the CD, and likewise this is not listed as a contact mechanism in the CD agreement itself. Thus, we are now faced with having a sizable holding locked in an account with a rate or term we would never have considered, or having to pay a penalty to regain access to our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX EMPLOYER - 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 2024-04-11 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )

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 2024-04-11 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX {$53.00} XXXX XXXX {$930.00} XXXX  XXXX. {$510.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} Inquires to be removed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CAPITAL ONE BANK USA XXXX Capital One XXXXXXXX XXXX, VA XXXX Dear : CAPITAL ONE BANK USA Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I did not start these inquiries, and I am not connected to any of the creditors listed. Please take them off of my credit report right away.

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 2024-04-11 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: DAIMLER TRUCK FINANCIAL SERVICES USA LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear DAIMLER TRUCK : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX and XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX accounts # XXXX opened XX/XX/XXXX and XXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2024-04-11 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: LEXISNEXIS
State: PA

Complaint narrative:
This is my 3rd and final attempt in this Lexis nexis report this company have giving information that they are a reseller of credit reports from the three namtionwide consumer reporting agencies- XXXX, XXXX and XXXX . I submitted my current credit reports from ALL the agencies with my name as XXXX XXXX. This company refuse to remove someone else information of my file and it grounds for a lawsuit because this information isn't accurate and vefified as they claim for not removing it. I attached all my proof and I need something to be don't or I will seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Someone got my information and opened up this account Ive been trying for years to dispute this account with no help from the creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: North Shore Equities, Inc.
State: NY

Complaint narrative:
hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX XXXX XXXX XXXX XX/XX/11 i called the bank and asked and was hung up on XXXX times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being XXXX  and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC, is trying to collect debt that was removed from all XXXX  credit reports due to statute of limitations. This debt with XXXX XXXX was written off and removed from all three credit reports recently. Now the wolves are coming out. Trying to collect debt that isnt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX told me to contact the bank and see if they had a collection on the matter BofA Bank and told me they did not ever see any time I had a account with them The credit card was opened in XXXX and BofA wnt back to the XXXX 's

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 2024-04-11 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: VA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-04-11 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've uploaded the files on which of the accounts are not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I've uploaded the files on which of the accounts are not mines

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 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been down this road before, tirelessly disputing the same inaccuracies on my credit report time and time again, only to see them resurface like a stubborn weed! It's beyond frustrating to continually fight this uphill battle, providing evidence and explanations, only to have my efforts seemingly fall on deaf ears. How many times must I go through this exhausting process before someone takes notice and actually corrects the errors? My patience is wearing thin, and rightfully so! It's about time the credit reporting agencies take their responsibility seriously and finally address these inaccuracies once and for all!

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 2024-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been down this road before, tirelessly disputing the same inaccuracies on my credit report time and time again, only to see them resurface like a stubborn weed! It's beyond frustrating to continually fight this uphill battle, providing evidence and explanations, only to have my efforts seemingly fall on deaf ears. How many times must I go through this exhausting process before someone takes notice and actually corrects the errors? My patience is wearing thin, and rightfully so! It's about time the credit reporting agencies take their responsibility seriously and finally address these inaccuracies once and for all!

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested information from this creditor on ( XXXX I have yet to receive anything.

Please have this company upload the following documentation.

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TN

Complaint narrative:
I was checking my credit report and noticed that the credit bureau was reporting my XXXX XXXX XXXX while I am still a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All while as I stated am still a XXXX XXXX XXXX XXXX XXXX XXXX not to mention my loans are deferred until XXXX Therefore, while interest may still be a factor by law these loans should not be on my report according to statue 15 USC Code 1681B permissible purpose of consumer report or, considered late by 15 USC code 1666B timing of payments. This has caused me a very high percentage rate on buying a vehicle just to commute to my job in the XXXX  field which is my career passion.

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