vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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:
XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I do not recognize these credit inquiries and I have asked for them to be removed. The credit bureaus did not do as I asked. Im providing a identity theft report, and I am requesting the Inquiries to be removed because they are inaccurate and not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: OH

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!! 

XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Capital One, and here is my account number : XXXX XXXX XXXX, 2024, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This account was deleted from on XXXX XXXX then added back as verified and updated. Please fix this correction and delete this account from my credit report. 
XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with 15 U.S.C. 1692f ( 6 ) Unfair Practices and 15 U.S.C. 6802 ( b ) Obligations with respect to non disclosed personal Information Capital One Auto has violated my rights. 15 U.S.C. 1692 ( f ) Unfair Practices Taking or threatening to take any non-judicial action to effect disablement of property. Capital One Auto has Threatened me several times and repossessed my Vehicle with-out a Judicial Court order by the Judge this is a violation that constitute actual damages sustained by me the consumer I have suffered financial damage in accordance with 15 U.S.C. 1692k Civil liability.

In accordance with 15 U.S.C 6802 Capital One Auto has violated my rights by disclosing my non public information to a non affiliated third-party ( XXXX ) XXXX XXXX  . I have never done business with XXXX XXXX and somehow they illegally repossessed my vehicle. Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. Capital One has never giving me a disclosure of XXXX XXXX be affiliated of the contract on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: HI

Complaint narrative:
After paying my upcoming monthly payment online through Mohela website, I get notified after a few days that my financial institution has denied my payment.. I called XXXX XXXX  XXXX, our bank, and they say no attempts or records from Mohela attempting to get payment. 

So my first payment now is past due and my interest has gone up. I tried by phone just to pay differently. And today I receive the rejection email again your financial institution has rejected the payment.. 

Ive been paying with this same bank account before the repayment started and our bank is okay. 

I called Mohela and they wanted me to change my bank account. And also suggesting I may have put my info wrong when I sign up for auto debit, which is still processing forever! Their auto debit seems buggy. 

Anyways, Ive tried online payment, by phone, nothing seems to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: ND

Complaint narrative:
I am writing to formally dispute and register a complaint regarding several erroneous late account entries on my credit report, which continue to negatively impact my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. 

I have diligently reviewed my credit report and have identified multiple instances where accounts that are marked as late are still inaccurately reported as such. I have made every effort to rectify this situation by contacting the respective creditors and the credit reporting agencies, but to no avail. 

I would like to emphasize that these late payments are not a true reflection of my financial responsibility. I have consistently made on-time payments for these accounts, and I have the documentation to support these claims. It is crucial that my credit report accurately reflects my creditworthiness, as these inaccuracies have begun to affect my ability to secure financing and achieve my financial goals. 

I kindly request that you investigate these discrepancies promptly and initiate the necessary corrections to my credit report as per the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough review of the account information provided and ensure that it accurately represents my payment history. If the investigation reveals that these late payments are indeed erroneous, I request that they be removed from my credit report immediately. 

Additionally, I request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to rectify this matter. If you require any further documentation or information from me to conduct your investigation, please do not hesitate to contact me at the phone number or email address provided above. 

I appreciate your prompt attention to this matter and trust that you will resolve it in a fair and timely manner. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$6600.00}.

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 2024-03-13 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: NC

Complaint narrative:
.Please dispute the following items on my credit report. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Acct : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2024-03-13 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: NC

Complaint narrative:
.Please dispute the following items on my credit report. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX Experian : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Acct : XXXX {$0.00} 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 2024-03-13 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: CA

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX 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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: AR

Complaint narrative:
XX/XX/XXXX I am unaware of this alleged debt that the CKS Prime Investments stated I owe them in the amount of {$610.00}, that I supposedly opened with them on XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union is in violation of FCRA 611 regarding a dispute I submitted via CFPB # XXXX XXXX on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX and sent a response with results XX/XX/XXXX, stating I would receive a reply in the mail. 

The basis of my dispute was based solely on FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) ( 2 ) which states a credit reporting agency can not furnish an account without the consumers written instructions. 

Additionally, The XXXX XXXX XXXX XXXX XXXX places Trans Union in blatant violation of law. 

Trans Union is now compelled to delete the XXXX accounts listed below because they FAILED to conduct their investigation in 35 days. 

Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX have also discovered that both accounts are reporting Date of Last Payments XX/XX/XXXX and should also be DELETED because they are over XXXX XXXX XXXX and this is another violation that I may have to take to COURT. 


This is also a request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( A ) ( 7 ) as I am requesting the Name of the person ( s ) you spoke with along with their Address and Telephone Numbers. 

I am also requesting the procedure ( s ) used that led to my dispute being updated/verified. 

I understand that if you do not forward me this information in 15 days I can collect financial compensation in a Court of law. 

Again, delete both accounts listed above.

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 2024-03-13 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: OH

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : $ XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-13 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: OH

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief