vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
XXXX XXXX XXXX has reached out and reported an inaccurate debt to XXXX, TransUnion, and XXXX. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the XXXX, TransUnion, and 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 2024-02-22 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:
XXXX XXXX XXXX has reached out and reported an inaccurate debt to XXXX, XXXX, and Equifax. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I requested for them to apply the refund of the insurance they charged me towards my monthly car payment but they refused instead they charged it off and reported three months late payment on my credit and put it to the back of loan, so they can repossess the car.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
inncorrect information reporting on my credit report, In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

keesler fcu 2017

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 2024-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: AZ

Complaint narrative:
I believe this debt is for a Doctor 's visit of our XXXX  I was insured, and so were my kids, constantly with XXXX. Therefore, this XXXX  visit was fully covered by insurance and should have been billed from the Doctor 's office to the insurance. However, it seems that they gave it erroneously to the collection agency instead. 
I have informed the collection agency about this and asked for proof of my liability even with registered mail ( proof uploaded below ). But I have only gotten more and more threatening letters, calls, and text messages. 
My account # with H & R is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation.

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 2024-02-22 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: AL

Complaint narrative:
previously disputed these account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: AL

Complaint narrative:
previously disputed these account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

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 non-monetary relief
Consumer complaint received 2024-02-22 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:
I checked my credit report in XX/XX/2023 and found that I had fraudulent accounts reporting on my credit report with all three bureaus XXXX Transunion and XXXX I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support 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 non-monetary relief
Consumer complaint received 2024-02-22 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: NY

Complaint narrative:
I checked my credit report in XX/XX/2023 and found that I had fraudulent accounts reporting on my credit report with all three bureaus XXXX XXXX and Experian I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support 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 non-monetary relief
Consumer complaint received 2024-02-22 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: MS

Complaint narrative:
inncorrect information reporting on my credit report, In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

keesler fcu 2017

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 2024-02-22 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: NJ

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely 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 non-monetary relief
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely 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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> someone claiming to be me, XXXX XXXX, and using my SS # went into Suncoast Credit Union in XXXX, FL, and took out a loan for {$10000.00}. 
This person then went to another branch of Suncoast Credit Union in XXXX, FL and obtained a credit card in my name. The limit being {$18000.00}. 
As soon as I became aware of these two fraudulent incidents, I called Suncoast Credit Union to complain and let them know someone else impersonated me and I did not borrow this money or take out a credit card. I have called them multiple times. I can never speak to the same person. The information I get is not clear. I am being ignored and getting no significant help clearing my name and credit record of these two fraudulent actions.

I have gone to my local police and filed a criminal report. I don't have the report yet. It takes a few days. 
I have called the three credit bureaus and asked them to freeze any actions in my name. 
Suncoast Credit Union XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used my Walmart branded Capital One credit card. I regularly charge about {$2000.00} at Walmart per month. Last month I used the card to also buy a freezer at XXXX XXXX which added a {$1000.00} charge to the card. Later that month my card was refused at Walmart because of the credit limit of {$3500.00}. I applied for an increase to {$6500.00} and was denied. At first I thought it was because my credit bureau accounts were frozen so I unfroze them and reapplied. I was still denied. All three reporting agencies have my credit as outstanding. My card is always paid automatically by my bank on receipt of the bill. My total assets are about {>= $1,000,000} and my household income is over {$220000.00} per year. I am XXXX XXXX XXXX. The credit card company would not tell me why I was denied. I figure it is either because of my age or because they don't make money from me as I always pay the full amount of the bill. Are either of those reason sufficient to deny me the credit increase? Don't thy have to tell me why the increase was denied?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I applied for a credit card via XXXX XXXX XXXX XXXX. The application was declined, and stated my report could not be accessed since it was locked/frozen via Experian. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX, who informed they would not/ can not delete the hard inquiry, and confirmed the aplpication was declined due to my locked report.

After contacting Experian numerous times, I can not resolve the situation & the inquiry remains, affecting my overall credit.

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 2024-02-22 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: OK

Complaint narrative:
I am writing to address certain discrepancies I recently discovered upon reviewing my credit report, which I obtained on XXXX 2024. It has come to my attention that there are concerning inaccuracies present, and I wish to bring them to your immediate attention, emphasizing the crucial role that your agency plays in ensuring fair and accurate reporting. As stated in Section 15 U.S.C. 1681s-2 of the FCRA, it is important that consumer reporting agencies, such as yours, engage in thorough investigations when individuals, like myself, raise concerns regarding the accuracy of information contained within their credit reports. Should the information provided be found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it is your agency 's job to promptly delete the accounts. Additionally, as stated in 15 U.S.C. 6802, consumers maintain the right to privacy concerning disclosing their personal information. I did not provide authorization for the furnishing of the accounts listed below, nor was I presented with clear and conspicuous disclosures to opt-out. As a consumer, I entrust your agency to uphold these privacy standards diligently. The accounts listed below are indicative of identity theft, as they have been furnished to my credit profile without my consent, thereby constituting a violation of 18 U.S.C. 1028A. I need your agency to take immediate action to fix this matter and protect my personal information from further misuse. In light of this case of identity theft, it is important that your agency promptly block and delete the associated information from my credit report, as stated in 15 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: MO

Complaint narrative:
Yes I am XXXX XXXX XXXX and me and my wife XXXX XXXX XXXX have been stolen from by my wife 's sister XXXX XXXX of XXXX and XXXX Missouri she stole our identitis turns out couple decades ago for reason of trust fund in my name and information My Treasury direct account in my social security number XXXX XXXX XXXX her sister has spent alot of our money and assets impersonating us and we want her AREESTED there is proof online her sister had XXXX money and now XXXX. XXXX XXXX net worth and record 's gives long list of her crimes and also XXXX XXXX XXXX XXXX XXXXXXXX XXXX net worth and XXXX XXXX My wife net worth. It's All there online for her arrest because My wife and I are just now getting information about her despicable crimes against us. Our only address is XXXX XXXX XXXX XXXX XXXX XXXX  Missouri XXXX our only email is XXXX our only phone number is XXXX XXXX XXXX .. we want our legal trust fund and assets my social security number is 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 2024-02-22 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: TX

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: NC

Complaint narrative:
The company IQ DATA INT'L INC . It is reporting a debt in my name with the amount of {$1900.00} that I do not recognize and according to this company it has the exact data but has not sent me the evidence to support that. According to IQ DATA INT'L INC , this debt belongs to an income in the state of Arizona, where I have never lived and I request that this inaccurate account be removed from my credit report that is affecting me.

Company response to consumer: Closed with explanation