vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: MD

Complaint narrative:
I was absolutely stunned to see inaccurate accounts appear on my credit report this morning, and I have no idea why. I check my report regularly, but this time, there were unexpected discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. I'm requesting that the documents Ive sent be thoroughly reviewed to resolve this, so I can stop worrying about my credit report once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Sensible Auto Lending, LLC
State: VA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights to policy. 

15 U.S.C 1681 604 A States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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 am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized 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 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 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 XXXXXX/XX/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 2024-10-30 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: IN

Complaint narrative:
Several late payments on my credit report appear inaccurate. These do not match my payment history. I request corrections and an updated 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 2024-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Auto Finance reduced my payment to XXXX due to financial hardship. However when I tell Capital One Auto Finance when I am going to pay the XXXX. I get constant daily phone calls before the Promise To Pay Date!! 
Is this Predatory Lending Practices? 

I spoke to XXXX a representative in the United States yesterday when I returned the call from Capital One Auto Finance. 
XXXX told me that she did NOT know WHY I was receiving phone calls from Capital One Auto Finance because they have a Promise to Pay arrangement for a payment of XXXX for XX/XX/XXXX. 

The reason I am writing today is because Capital One Auto Finance is continuing to call me daily and I wish I could just win the Lottery and pay my XXXX XXXX XXXX off. This has been the worst mistake of my life financing my vehicle through Capital One Auto Finance. These Predatory Lending Practices must be STOPPED!!

I WANT THE CALLS TO STOP. 
I was told by XXXX yesterday that the XXXX day that my Promise to Pay was listed was on XX/XX/XXXX. So all the XXXX 's before that phone call did NOT note my intentions to pay on XX/XX/XXXX. 
Nor did the previous XXXX 's inform me that there was a certain date to call on to have my Promise to Pay noted for a particular date. 
XXXX because XXXX told me XX/XX/XXXX and the calls are continuing to be made on the Daily Basis. 
Capital One Auto Finance should know the law!!

Predatory Lending Practices are Illegal in the United States.

I would like the CFPB to file charges against Capital One Auto Finance on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I discovered errors on my credit report related to 15 USC 16c-2. The inquiries shown were not approved by me, and this false information is harming my credit score. Please eliminate all unauthorized hard inquiries. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, Im writing regarding the collection accounts on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ). I do not recognize these debts and have never authorized them. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 807 ( 8 ), its unlawful for debt collectors to falsely represent any debt. Additionally, I am invoking my rights under Section 809 of the FDCPA, which entitles me to request validation of these alleged debts. You must provide documentation proving that these debts are valid.

Moreover, the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting under 15 U.S.C. 1681s-2. This law requires that all consumer reporting agencies maintain accurate information. Given recent data breaches, Im also exercising my rights under 15 U.S.C. 1681c-2, which allows me to block any fraudulent information that might be appearing on my report.

If you can not validate these debts within 30 days, I will insist that these entries be removed from my credit report. Additionally, under 15 U.S.C. 1681n, I am entitled to seek damages of up to {$1000.00} for each violation of the FCRA, should it be determined that you are reporting inaccurate information. This is not just about getting these debts resolved ; its also about ensuring that my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Im writing regarding the collection accounts on my credit report from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX XXXX ), and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I do not recognize these debts and have never authorized them. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 807 ( 8 ), its unlawful for debt collectors to falsely represent any debt. Additionally, I am invoking my rights under Section 809 of the FDCPA, which entitles me to request validation of these alleged debts. You must provide documentation proving that these debts are valid. 

Moreover, the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting under 15 U.S.C. 1681s-2. This law requires that all consumer reporting agencies maintain accurate information. Given recent data breaches, Im also exercising my rights under 15 U.S.C. 1681c-2, which allows me to block any fraudulent information that might be appearing on my report.

If you can not validate these debts within 30 days, I will insist that these entries be removed from my credit report. Additionally, under 15 U.S.C. 1681n, I am entitled to seek damages of up to {$1000.00} for each violation of the FCRA, should it be determined that you are reporting inaccurate information. This is not just about getting these debts resolved ; its also about ensuring that my rights as a consumer are protected.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-30 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 inaccurate accounts that need reporting and correction through your company.

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 2024-10-30 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: Early Warning Services, LLC
State: OH

Complaint narrative:
Early warning is stealing my letters I sent and violating FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have never opened bank accounts with these institutions. I am requesting the accounts to be DELETED from my early warning consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: PA

Complaint narrative:
I've found multiple inaccuracies in my credit report, showing late payments that don't align with my usual payment habits. Please make the necessary corrections and update 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 2024-10-30 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, I am writing to request and investigation of the following accounts I have NEVER opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, an bank account opened at XXXX 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 2024-10-30 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: NY

Complaint narrative:
My name is and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$9500.00} XXXXXXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX  # XXXX {$990.00} XXXX # XXXX {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} I have asked these companies to validate and send proof that these accounts belong to me with contracts I sign in wet signatures. So far they have not done 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 2024-10-30 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:
FTC IDENTITY THEFT Report XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Transunion Credit Reporting Agency , block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account established at XXXX XXXX XXXX  on XXXX under account number XXXX, auto loan account account opened at XXXX XXXX XXXX on XXXX under account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 

The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identify theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
FTC IDENTITY THEFT Report XXXX This CFPB complaint has been filed to request pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you, XXXX XXXX XXXX XXXX XXXX Equifax Consumer Reporting Agency , and XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account established at XXXX XXXX XXXX  on XXXX under account number XXXX, auto loan account account opened at XXXX XXXX XXXX on XXXX under account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 

The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identify theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid the debt in a settlement on XX/XX/year> and I received a delete letter for the amount that I paid in the Settlement. I sent the delete letter to collection agency and they removed the debt from XXXX and XXXX, but I can still see the debt on Experian. I contacted the collection agency and they say that they can not find the debt and that it may be due to how long ago I settled on the debt. I submitted a dispute with Experian but their automated response was that the debt was verified and that they could not remove it fro their report. 

I will be calling Experian directly tomorrow, but I wanted to file a complaint with CFPB to see if I could have some assistance with removing this debt from my Experian Credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation