vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
Despite all the letters and CFPB complaints I have been sending addressed to the Credit reporting Agencies, the Experian and XXXX Credit Bureaus have become negligent of their duties and resposibities when it comes verifying the information being reported on a consumer 's Credit report. I have been a victim of identity theft and I believe thatt he inquiries being reported by the Experian and XXXX Credit Bureaus were the results of such crime. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus remove the unverified inquiries from my Credit report. But despite all the Letters I sent, the Credit Bureaus continued their uunverified reporting which is a clear violation of my rights under the FCRA section 604. I am submitting this CFPB complaint to remove the following unverified and unauthorized inquiries deleted from credit as soon as possible : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: GA

Complaint narrative:
This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX TN XXXX ; XXXX XXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-08-23 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:
This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$760.00}

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 non-monetary relief
Consumer complaint received 2022-08-23 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:
This is just troublesome! The Credit Bureaus have been ignowing my letters as well as theiur reposibility to comply with the FCRA section 605b! I have been sending multiple letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a vitim of identity theft and that the Items I am disputing were the results of such crime. By th provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: OH

Complaint narrative:
I disputed information on my experian credit report. That is incorrect, unverified, not mine, Also goes against metro 2 credit reporting act. These accounts are not mine but experian refuses to remove them. There is no verification on these accounts. 
I asked for signed copies of original contracts and have been waiting to receive.

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 2022-08-23 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: CA

Complaint narrative:
I have been disputing with Equifax on multiple accounts that they are reporting on my consumer report without my consent, or option to opt out of it. I know that a credit report is supposed to be fair and adequate and with the negative information that they are reporting it is all but fair and adequate. Equifax is in violations of my consumer rights. They have violated 15 usc 1681 I ( 7 ), 15 usc 1692 ( E ) false and misleading information, 1692 a ( 3 ) ( 5 ) ( 6 ) B ( 1 ). Equifax is also in violation of the privacy act of 1974. Most definitely in violation of 18 usc 892-894.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax multiple occassions requesting that fraudlent accounts and inquiries be removed from my credit report. 

Since the beginning of this year I have contacted Equifax 9 times asking to have fraudulent inquiries after the account was removed from my credit file. I was told to file a report with the FTC on three different ocassions because each report I submitted Equifax claimed that first the dates were not an exact match, secondly that I didnt spell the creditor name correctly and lastly that each complaint of the fraudlent inquiries have to be seperate line items even with multiple inquiries from the same creditor on different dates. 

After I sent the last FTC report I was told that inquiries are a fcatual record!! 


The following inquiries I have provided the reports : XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax XXXX XX/XX/2020. Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-23 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:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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:
Despite all the letters and CFPB complaints I have been sending addressed to the Credit reporting Agencies, the XXXX and TransUnion Credit Bureaus have become negligent of their duties and resposibities when it comes verifying the information being reported on a consumer 's Credit report. I have been a victim of identity theft and I believe thatt he inquiries being reported by the XXXX and TransUnion Credit Bureaus were the results of such crime. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus remove the unverified inquiries from my Credit report. But despite all the Letters I sent, the Credit Bureaus continued their uunverified reporting which is a clear violation of my rights under the FCRA section 604. I am submitting this CFPB complaint to remove the following unverified and unauthorized inquiries deleted from credit as soon as possible : 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 2022-08-23 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XX/XX/XXXX 

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 a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XX/XX/XXXX 

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 a account without my written consent.

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 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CO

Complaint narrative:
received letter today monday XX/XX/XXXX of 2022 and reference number XXXX where the letter said i had account with XXXX XXXX bank as XX/XX/2022 i owed the amount of $ XXXXtill now said i owed same amount of $ XXXXand i like to dispute this is not me may bellongs another person on this house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
to whom this may concern I am writing to report all of the incorrect information listed on my credit report. I am a victim of identity theft. I am interested in all original creditors reviewing the files with the dates, account, amounts listed an remove the information immediately. this has rendered me from moving forward due to these errors. my credit report is supposed to be 100 % accurate on all 3 credit reports. that is not the case. please review the details in the files.

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 2022-08-23 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
XXXX XXXX / XXXX 2022 XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XXXX XXXX / XXXX 2022 XXXX XXXXXXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent

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 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendingPoint Holdings LLC
State: OR

Complaint narrative:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: GA

Complaint narrative:
Please remove it from my Credit report 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