vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 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: NY

Complaint narrative:
My social security number is XXXX On credit report XXXX their is Two negative fraud items that have the same account number and balance these duplicate fraud items supposed to be removed and blocked I have a federal trade commission identity theft report on file regarding equifax their is one negative item that's fraud on my equifax report and XXXX XXXX theirs three negative items I have a federal trade commission identity theft report on file please have XXXX and equifax and XXXX XXXX removed these negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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:
I have filed sever disputes with XXXX and Equifax who keep verifying the account under false pretense and information. The company XXXX XXXX does not have my address and they are unable to verify my address or information but the credit agency been doing computer generated not using a live person to verify my info. These 2 agencies need to clear this off my report before I file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I request the intervention of the Consumer Protection Financial Bureau to evaluate two agencies that appear to be inquiring about credit under my name, some with errors and others submitting the same information on several occasions. The documentation was sent to confirm firmly that these agencies do not take into account or assume that everyone who requests credit is possibly a " fraud '' who is already known in these matters. Please take immediate action because they are based on theories that assume that it is really me who is requesting, they do not realize when they make account invocations on several occasions.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 

The credit bureaus violated my given right under 15 USC 1681.

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

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Neighbors nearby XXXX and another person XXXX XXXX XXXX XXXX with my bank account balance at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they want to know about how much money I have, did I get my check and did I pay my bills rent have kept the credit card account number and have been talking about this in the back driveway at my apartment. They are up all night long cursing and loud talking about Trying figure out how much money I have and how when I am going to be getting money. I'm the only person who has owned the bank account and no power of attorney nor anyone else is connected to the account. They are constantly violate my personal information and privacy for the past year. I used to go to the gas station to buy things with the credit card and then they didn't give me any receipt for my purchase. On a daily basis and I have been overheard them next door at my apartment discussing the attempted to get the information. They have been doing this since XXXX and I have been stopped buying at the store in approximately XX/XX/XXXX with the credit card. They are XXXX speaking people and XXXX XXXX language working and owner. The neighbors nearby are fluent in XXXX language and XXXX at the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My rent XXXX XXXXXXXX and landlord is XXXX language and has to have any Bank info for me to get the discount from the government of XXXX percent of my monthly income XXXX. I believe that all are involved. The main thing is that no one is supposed to get the information for the bank account. My XXXX sons do not have hold or use the credit card debt to the bank account and neither do I know what they actual account balance is nor try to get the information. I know that it's a very serious state and federal crime to be able to get information for a XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent off a dispute in XXXX about fraudulent accounts on my credit report. Not only have changes have not been made the bureau has not even responded.

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 2024-01-01 00:00:00
Product: Credit 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: CA

Complaint narrative:
On XX/XX/2023 I was wrongfully billed by XXXX. I called XXXX right after the charge. They refused to credit me. I emailed them the same day and that didn't help either. I contacted Capital one for help. I called Capital one because I didn't have certain things that they asked for to progress the dispute. I told the guy that I didn't have certain things because this was a random unauthorized transaction. All I had was the email ( I still have ) I sent XXXX right after, explaining what happened and to cancel the transaction. The gentleman told me that it would do to send a letter and enclose the email proof. I did so but instead of reading the letter and helping me at all. Capital one rejected my dispute and sided with XXXX. This is so wrong I have been an XXXX customer to Capital one for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: CA

Complaint narrative:
In XXXX of XXXX I was notified that the info was used fraudualntly to obtain credit. I promptly filed FTC AFFIDAVIT and reached to the bureaus and creditors. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I haveI told XXXX and Transunion to reinvestigate this account they have listed as verified and accurate. How can it be accurate if both bureaus have it listed with different account number, XXXX and Closed dates. 
: XXXX XXXX {$17000.00} XXXX Opened XXXX XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX {$17000.00} XXXX Opened XX/XX/XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX It is also illegal to report XXXX on my report and also as new account! 

Transunion has illegally reaged this account. 
The credit bureaus stated everything was complete and accurate. But how is that possible if the account numbers are different, open date, date of last activity and much more is incorrect. 

The following inquiries are also not authorized were not given permission and I demand these to be removed.. 

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 According to 15 USC 1681i ( 5 ), credit reporting agencies are supposed to modify accounts that aren't reporting correctly.

I have attached a copy of my credit report to show proof of the blatant errors and misleading info on my report. that they have said were correct.

The credi bureaus are also not in compliance with METRO 2 laws,. 

I want the account and the inquiries removed along with inputting the correct info on crediit my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX I have been dealing with this for far too long and I will be taking legal action against TRANSUNION and XXXX for the violations of consumer my rights .I have alot of evidence to prove my case.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 
The credit bureaus violated my given right under 15 USC 1681.

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

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-01 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: MO

Complaint narrative:
XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. 

On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights violated numerous time. 
The credit bureaus violated my given right under 15 USC 1681.

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

According to 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
A collections account with XXXX XXXX XXXX about a Fortiva credit card for {$480.00}, that I have never owned. The account Is currently under dispute, but they continue to send me mail about an account that I have no knowledge of in an attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for a XXXX American Express card which was my first ever from Amex or any company. After reaching the spending requirement of {$2000.00} in first 3 months of membership, I was waiting and did not receive the promotional spending bonus. 

I reached out to Amex about it and told them that I had an email with the promotional offer and my letter in the mail confirmed it too. 

I was then told their backend team would help try to resolve this issue, but I have yet to receive any kind of response. They mentioned it could take up to XXXX billing cycles but it's been about XXXX cycles now ( 4 months ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 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: AR

Complaint narrative:
Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am totally and permanently XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX weeks, 4 months earlier than I should have. I have XXXX, an intellectual learning XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and am XXXX XXXX The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.

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 2024-01-01 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: LEXISNEXIS
State: MO

Complaint narrative:
XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights violated numerous time. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States have the right to privacy. According to 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I was notified that the info was used fraudualntly to obtain credit. I promptly filed FTC AFFIDAVIT and reached to the bureaus and creditors. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I haveI told Experian and XXXX to reinvestigate this account they have listed as verified and accurate. How can it be accurate if both bureaus have it listed with different account number, XXXX and Closed dates. 
: XXXX XXXX {$17000.00} XXXX Opened XXXX XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX {$17000.00} XXXX Opened XX/XX/XXXX Date of last Activity XX/XX/XXXX Closed XX/XX/XXXX It is also illegal to report XXXX on my report and also as new account! 

XXXX has illegally reaged this account. 
The credit bureaus stated everything was complete and accurate. But how is that possible if the account numbers are different, open date, date of last activity and much more is incorrect. 

The following inquiries are also not authorized were not given permission and I demand these to be removed.. 

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 According to 15 USC 1681i ( 5 ), credit reporting agencies are supposed to modify accounts that aren't reporting correctly.

I have attached a copy of my credit report to show proof of the blatant errors and misleading info on my report. that they have said were correct.

The credi bureaus are also not in compliance with METRO 2 laws,. 

I want the account and the inquiries removed along with inputting the correct info on crediit my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX I have been dealing with this for far too long and I will be taking legal action against XXXX and EXPERIAN for the violations of consumer my rights .I have alot of evidence to prove my case.

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