vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX THEY have not reported correct payment. The account is showing open and was closed in 2015. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors that I asked for nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
XXXX XXXX freely agreed and signed a valid contract which was breached or violated : The vehicle was not promptly sold ( within 90 days of repossession ), the vehicle was XXXX on XX/XX/XXXX and sold on XXXX vehicle was not sold in a commercially reasonable manner at The XXXX XXXX XXXX XXXX XXXX XXXX referred Pacific Credit Exchange did not provide the required notices properly to my address, XXXX XXXX XXXX XXXX XXXX XXXX  Thats on my ID. I tried to pay and did't get any credit for on time payments for the 2 years I paid. XXXX XXXX referred Pacific Credit Exchange XXXX unrelated fees on the account documents, Plan to sell property show Principal Balance is {$7700.00} the Calculation after selling the property unpaid balance show {$7900.00} The debt balance is incorrect and these or FDCPA violation. XXXX XXXX has committed wrongdoing and is attempting to benefit from this. XXXX XXXX and Pacific credit Exchange keep Charge off and Writing off the debt, Counting it as loss for accounting purposes on my credit report and have Re-aged the account. XXXX XXXX sent direct mail notice on XX/XX/XXXX and on XX/XX/XXXX forcing me to pay additional money other than the debt I owe is considered an FDCPA violation. On XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX that show I made these payments and didt get any credits for on time payments XXXX XXXX referred Pacific Credit Exchange XXXX provide at least XXXX days notice before they cash any check and no Disclosure Verification of XXXX check payment that was made on XX/XX/XXXX that was required. 

Breach of contract by XXXX XXXX, Pacific credit Exchange is not the original creditor, that the contract was not properly assigned to Pacific credit Exchange. The debt is pass the statute of limitations and the debt is considered expired, XXXX XXXX Account # XXXX and Pacific credit Exchange Account # XXXX have no rights to collect the debt and I demand XXXX XXXX and Pacific credit Exchange stop reporting the debt on my credit report. NOTICE. YOU MAY BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE. ( Civil Code section 2981 ).

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 2022-08-08 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: IL

Complaint narrative:
I have filed a dispute multiple times with the company regarding the bankruptcy on my credit report. All three bureaus keep sending it back verified but not telling me how they verified because the bankruptcy court wrote me a letter saying that they do not verify information. I am needing this information deleted as soon as possible. I have attached letter from the bankruptcy court and also a screenshot where they verified it.

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 2022-08-08 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: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2022 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. 

From the beginning of this year, I have called TransUnion credit reporting several times, to request a full hard copy of my credit report. 
And for some unknown reason, they are not providing me with one. 

I have applied for credit with different businesses, and I have been told that they could not access my TransUnion credit file, and I would like to know why. 
I have found that within the past few years, TransUnion has not been updating my credit score, nor my credit file with updated information. 

I want my credit file, as well as my credit score updated. 
And I do not want any Alerts, Freezes, or Promotional Blocks, placed onto 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I been having 2+ years problem with getting refund for flights bought on XXXX for XXXX XXXX XXXX. In summary what I need from Capitalone is statements from 2020 XXXX to XXXX sent to me electronically at XXXX. I looked at website but available statements do NOT go back to 2020 Please send electronically in letter to me thru this portal of email Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I ordered a copy of my report inXXXX XXXX, I found out that credit reporting agencies still indicate my dispute of information in my credit report. Again, I was a victim of identity theft and this is another request to block the ITEMS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any ITEMS not later than 4 business days after the date of receipt.Also, the information provided on some ITEMS are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following Items listed below needs immediate action and block these from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX DAte of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry 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 2022-08-08 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet when I ordered a copy of my report inXXXX XXXX, I found out that credit reporting agencies still indicate my dispute of information in my credit report. Again, I was a victim of identity theft and this is another request to block the ITEMS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any ITEMS not later than 4 business days after the date of receipt.Also, the information provided on some ITEMS are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following Items listed below needs immediate action and block these from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX DAte of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ; XXXX Date of Inquiry XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 




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




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

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 




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




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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have sent Experian credit service. XXXX letters to remove an address that is incorrect. i also asked Experian to mail a copy of my report. Experian credit service fail to mail a copy of my report on 3 request. Under the fair credit act. credit reporting companies. must furnish credit reports and after all disputes. under the fail credit act USC 15USC1681 all information on my report must be factorial. Its very frustrating, Experian is the only one reporting my incorrect address. XXXX and XXXX have my correct information list and have mail me copies of my report. please have Experian make the correction immediately. I will enclose a copy of my driver license and copy of a utilities bill showing my correct address. all of address should be removed. 

Thank you, 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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX My account would not allow me to use any of the application features so i reached out to customer support. I was told that the matter would be escalated to another and that I should receive an email by the end of the day. 

XXXX I had not received an email so i reached out to customer support on the app only to be told the same. I then called customer support only to be told the same but also that I would have an email back by the following day at the latest. 

XXXX I had still not received the email so I reached out again through the app and was told that I still could not be helped and that they had no update. 

XXXX I received a direct deposit from my employer and then an email and text saying my account had been suspended due to suspected fraudulent activity and that it would be unlocked in 24-48 hours. Again I reached out to the provider through the app and was told the same thing that the text told me. 

XXXX I received a text saying my account was unlocked and it could be used but when i attempted to use it I had the same result of when the account was suspended. Again I contacted customer support, but I was told they could not help me. 

XXXX I contacted customer support again through the app and searched for alternative means of communication since they were not taking phone calls. I had no successes and was again told by customer support through the app that I can not be helped. 

XXXX Again I contacted customer support about the same issue and again I was told that I can not be helped. I still have not received the email I was promised would take no more than 48 hours.It has been 72 hours since I was told I would receive an email. It is not in my spam or junk mail and was not overlooked. The correct information is on file. 

During the course of my patience with this provider, I have had bills due and my children at home hungry. I have voiced this to the customer support but have not had the case escalated or rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the fair credit act conversion of the accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX {$440.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date n/a {$720.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( finance ) 15USC1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SEC 604 A SEC 2 STATES : CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

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 2022-08-08 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: NY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called Equifax to remove all false and fraudulently placed accounts and inquiries on my consumer report. Equifax assumed this role and did not exercise their grave responsibility, they where unfair, partial, and did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish or create this report and I never gave consent to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have filed a dispute multiple times with the company regarding the bankruptcy on my credit report. All three bureaus keep sending it back verified but not telling me how they verified because the bankruptcy court wrote me a letter saying that they do not verify information. I am needing this information deleted as soon as possible. I have attached letter from the bankruptcy court and also a screenshot where they verified it.

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