vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
3rd notice, I file a complaint against Equifax, due to the fact they will not correct the information on file Last reported XX/XX/2020 {$110.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  OpenedXX/XX/2020 ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes this account information Collection account Original creditor nameXXXX XXXX XXXX This item showed that it has been paid, for several month the item set up before they took the payment- Our heath card paid it XXXX  Account XX/XX/2020 {$110.00} our HSA card paid this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Its well over 30 days since Ive initially disputed accounts on my credit report and I still havent received any response from the three major credit bureaus. I havent received any confirmation on how the credit bureaus have verified the accounts. CFPB will receive documents from me for rectifying the subterfuge that you are 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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Its well over 30 days since Ive initially disputed accounts on my credit report and I still havent received any response from the three major credit bureaus. I havent received any confirmation on how the credit bureaus have verified the accounts. CFPB will receive documents from me for rectifying the subterfuge that you are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IVE HAD THE CHANCE TO REVIEW MY CREDIT REPORT AND I STUMBLED UPON A FEW ACCOUNTS THAT ARE REPORTING AS DEROGATORIES. THIS HAS CAUSE MY CREDIT SCORE TO DEOP TREMENDOUSLY. IT IS NOT FAIR TO ME BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL FILE. I HAVE NO KNOWLEDGE THOSE INACCURATE FILES AND I AM REQUESTING A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old. 

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, 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:
IVE HAD THE CHANCE TO REVIEW MY CREDIT REPORT AND I STUMBLED UPON A FEW ACCOUNTS THAT ARE REPORTING AS DEROGATORIES. THIS HAS CAUSE MY CREDIT SCORE TO DEOP TREMENDOUSLY. IT IS NOT FAIR TO ME BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL FILE. I HAVE NO KNOWLEDGE THOSE INACCURATE FILES AND I AM REQUESTING A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, 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 have been a victim of identity theft and these fraudulent accounts have affected my credit reports. I will attach supporting documentation to support my claim. I will include a Federal Trade Commission report, Notarized Statement to support my claim along with proof of my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the past & also I had some one with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by lexis nexis and then I disputed with lexis nexis after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is Lexis Nexis is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially lexis nexis or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that lexis nexis can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old. 

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX purchased a potential delinquent account from XXXX XXXX belonging to XXXX XXXX of XXXX XXXX, West Virginia. XXXX XXXX has not lived at the address where this charge would have occurred in over 8 years. There literally is no way possible this " apparent debt '' is less than 8 years old.

It appears the delinquent date that is showing on his credit report is the date the company purchased the account, not the actual date of the delinquency. There is no legal way this information should still be on his credit report, yet this company is showing the account has only been delinquent since 2016, so it will take that much longer to fall off the credit report. This is FRAUD and I'm filing fraud reports with every known agency that handles these matters.

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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX 's XXXX  is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. There is information reporting on my credit report that should not be there

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, 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 have been a victim of identity theft and these fraudulent accounts have affected my credit reports. I will attach supporting documentation to support my claim. I will include a Federal Trade Commission report, Notarized Statement to support my claim along with proof of my identification.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement I just received this notice while searching for a prequalification online. I was advised this was rectified and removed months ago. I had 2 credit cards that had auto pay set up and when I lost wallet inclusive of cards the corresponding bank account was also closed with a new one reissued as a precaution.

This was conveyed several times and I even reported cards lost. Initially it was advised these cards were being reopened by about 7 different reps only one stated the contrary and she was apparently on to something as they have not been to date. 

I never miss my payments I have been a model customer and this is completely demoralizing. This hold should absolutely not be on my account as I did nothing to warrant it I continue to pay like clockwork prior to and every month thereafter o have not had any issues of any kind. 

Remove this hold and ensure there are no issues moving forward please. 





The information contained in this e-mail message is privileged and/or confidential and is intended only for the use of the individual or entity named above. If the reader of this message is not the intended recipient, or the employee or agent responsible to deliver it to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communications in error, please immediately notify us and destroy the original message. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Despite my feedback from Complaint XXXX, Experian keeps harassing me about my dispute of personal information that should not be a fact in controversy. Once again, Experian has chosen to send me updates on what I can already presume to be the one giving rise to the aforementioned complaint, closed without the lawful resolution of changing my birthdate without question or pause. My mental health has been so badly taxed, that I can not bring myself to state the facts as shown and showable in my photographic evidence of continued wrongdoing. 

Experian 's nonanswer in the previous complaint calls for enhancement of the charges beyond my corresponding argument therein. The fact that my birthdate _could_ be falsified stands as the biggest problem is.this matter ; my birthdate is static, and can not change at anyone 's whim ( even my own! ). By inventing controversy on impossible grounds, Experian terorrizes me and obstructs justice in matters of no concern to Experian, despite their assistance in thwarting XXXX XXXX XXXX University 's extortion attempt from earlier this year. Experian 's present obstructions distract me from even pursuing claims of extortion and malicious prosecution in a way that acts on the same XXXX, on which University personnel have terrorized and discriminated against me, and have allowed my student constituents to discriminate against me ( even prior to my election as XXXX XXXX XXXX, and as an appointed XXXX  XXXX during XXXX ). Despite Experian 's actions in doing the right thing in light of its own interests as a matter of consumer protection law, Experian 's misconduct at present reflects the United States ' deliberate indifference to the interest of justice, as concerns the University 's crimes against humanity. 

This action shall act shall have had the same effect as a cease and desist letter. Hence, with this complaint, I am prepared to charge Experian with tortious interference, and I order the United States in my authority as a member of the People to assist me in these matters for once. Federal insubordination can be cured by compliance and the institutional courage to admit the United States ' wrongdoings, and do its part to ( help me ) confront my wrongdoers ' unconstitutional behaviors violating my human and civil rights.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. There are accounts on my report that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft, the items in mention that are reporting on my credit report do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the XXXX & also I had some XXXX with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by XXXX XXXX and then I disputed with XXXX XXXX after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is XXXX XXXX is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially XXXX XXXX or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that XXXX XXXX can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well 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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the XXXX & also I had some XXXX with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by XXXX XXXX and then I disputed with XXXX XXXX after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is XXXX XXXX is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially XXXX  XXXX or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that XXXX XXXX can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well 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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

Company response to consumer: Closed with explanation