vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
According to my Equifax credit report, there is a statement indicating that I had a repossession in XX/XX/year>. However, after cross-checking with XXXX and XXXX, it is clearly stated that I do not have any repossession on record. 
This discrepancy is concerning to me as it may adversely affect my creditworthiness and financial standing. I kindly request that you investigate this matter and remove the repossession status from my Equifax credit report immediately. Additionally, I would appreciate receiving a copy of my updated credit report reflecting this correction. 
Enclosed with this letter are copies of my credit reports from XXXX and XXXX for your reference. These documents clearly show that there is no repossession listed on my accounts with these credit bureaus. Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. I kindly request that you investigate this matter and remove the repossession status from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexisnexis my clue report is showing three auto accidents and claims with XXXX. These are incorrect and are not mine. I have tried three times to dispute this with Lexus Nexus and they keep giving me the runaround and send me letters with login information and pin codes that dont work and I can get nothing resolved. This is very frustrating and causing me to have higher insurance premiums when these are not my accident on my lexisnexis Report a lot of information is incorrect and outdated. I have went online and disputed it several times provided my drivers license copy of bills to validate who I am and yet nothing is ever done. I want every item and I mean every item on that report to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have an American Express Gift Card that I got from my employer for {$1000.00}. I've tried to use it various places and everywhere I go the card is declined. I have tried different stores, different amounts, ensured that what I am purchasing is not over the balance, even left a 20 % cushion and it is denied every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681.

XXXX has violated my rights on XX/XX/XXXX. 
XXXX has violated my rights on XX/XX/XXXX. 
XXXX XXXX XXXXXXXX has violated my rights on XX/XX/XXXX. 


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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

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

15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The Following Addresses are incorrect and have not been removed from my credit report. None of these addresses are correct and I've never lived at them. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One bank charged me interest fee, late fee, not willing to resolve payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have emailed I have written and Ive sent letters disputing all information listed on my report. My report is listing 42 inquiries that are fraudulent. Those were not initiated by me nor approved. I keep trying to dispute those and All the disputes keep getting ignored. there shouldnt be a bankruptcy on my report because I went through bankruptcy process. I should not have any late payments reporting because those accounts are closed and late payments do not factor into the credit score. When the accounts are closed this tries to trick people to further damage their credit by requesting all items on my credit report be disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have emailed I have written and Ive sent letters disputing all information listed on my report. My report is listing 42 inquiries that are fraudulent. Those were not initiated by me nor approved. I keep trying to dispute those and All the disputes keep getting ignored. there shouldnt be a bankruptcy on my report because I went through bankruptcy process. I should not have any late payments reporting because those accounts are closed and late payments do not factor into the credit score. When the accounts are closed this tries to trick people to further damage their credit by requesting all items on my credit report be disputed

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent an affidavit to all three credit bureaus certified mail to update all of my personal information that is reporting inaccurate. old address phone numbers and emails, I was very specific about what personal information should be listed on my report.

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 2024-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I received a letter from " Green Sky Program '' loan, which stated that my application was denied, even though I didn't apply for any loan recently. 
I think my identity has been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT WAS SENT XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to del the accuracy and completeness of the information. I have read tha IS must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 dave *o complete your investigation. 
XXXX It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 day receipt of this letter, or you must remove the incorrect information Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to del the accuracy and completeness of the information. I have read tha IS must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 dave *o complete your investigation. 
XXXX It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 day receipt of this letter, or you must remove the incorrect information Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter.

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 2024-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In the past month I had 3 fraudulent charges on just Best Buy credit card. They closed account & sent new cars. I didn't even open envelope with new card & a week later I had fraudulent charges. Called & they canceled that card & were sending out new card with lock on it. I haven't even received that card & got text that fraudulent charges on it. I think this fraud is internal.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company stated the account was opened in XXXX then was closed the charges off now the company is saying the account is open and is reporting an opening date is XX/XX/XXXX the company is just putting falsies information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AR

Complaint narrative:
Eastern Account System suddenly shows up in collection on my credit report but I never heard of them and never signed a contract to do business with them but they are reporting as the original creditor on my credit report. They refuse to send me the original signed contract between Eastern Account System and myself. I never had their service because it is not available in my area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent an affidavit to all XXXX  credit bureaus certified mail to update all of my personal information that is reporting inaccurate. old address phone numbers and emails, I was very specific about what personal information should be listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent an affidavit to all XXXX  credit bureaus certified mail to update all of my personal information that is reporting inaccurate. old address phone numbers and emails, I was very specific about what personal information should be listed on my report.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate reporting of account information on my credit report by the bureaus and creditors for my accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - - XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Date Opened : XX/XX/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 explanation
Consumer complaint received 2024-06-17 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: NY

Complaint narrative:
This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed during a credit pull ALOT of inquiries that I do not recognize.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX Investigate recovery| account XXXX XXXX XXXX XXXX XXXX account # XXXX American financial | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account XXXX XXXX XXXX XXXX XXXX| accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX| account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address inaccuracies and incomplete information on my credit report that require your attention. I am disputing these accounts because your agency has not provided sufficient information to verify the debt. XXXX and XXXX have already corrected these inaccuracy in their records due to an identified error. I am confused as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts on my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

I am disputing the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had no student loans with navient. I certified mail multiple letters to XXXX in XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation