vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 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: FL

Complaint narrative:
I have disputed multiple items that is being reported inaccurately on my credit report. And have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

XXXX XXXX  {$120.00} XXXX XXXX XXXX  XXXX was taken off my report and placed back on with a new age XXXX XXXX {$1200.00} XXXX XXXX which is inaccurately reporting TWICE XXXX XXXX bank card which is reporting TWICE inaccurately

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 2022-10-20 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-10-20 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: WA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2022-10-20 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: WA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-10-20 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: TX

Complaint narrative:
I would like to file a formal complaint against Equifax for violating my FCRA rights and my rights to privacy. Equifax has refused to do a proper investigation on the accounts in the attached dispute letter. They have either not responded to me or sent me letters stating they don't think it's me disputing my own accounts. I am asking for your assistance to help me get these accounts removed or corrected on my reports. Thank you for your timely and aggressive assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 168b Permissible purposes of my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX, XXXX ( XXXX ) XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: GA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-20 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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company is charging me internet rate on the balance that I do not owe! Per the contract I treat can not accrue until after two years. They are consistently reporting to the credit bureau that Im a delinquent on my past due balance in which I should not have a Balance with SYNCB/ROOMS TO GO. I was supposed to receive a credit to my account since when they delivered my box spring it was damage by the movers. My boxspring that I never was reimbursed for it is documented in their system because I have called them several times about the situation, and when it happened I do not owe a balance to them.

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 monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I settled a debt with a 3rd party company ( XXXX and XXXX XXXX ) for money I owed to FlexShopper. It was done. Completely settled. Several times this year between XX/XX/XXXX and now I have gotten numerous phone calls and even text messages stating I owe them MORE than the original amount and that I never paid a settlement. I have emailed my letter of payment and spoken to a lot of different workers. I have begged them to update their system and to leave me alone. Today, XX/XX/XXXX I got another text about the debt and once more its more money than I owed. When the debt was settled I originally owed {$500.00}, now they claim I owe {$540.00}. I paid this in settlement and I need them to go away and leave me alone. No one seems to want to listen to me at FlexShopper, even after emailing proof and calling the 3rd party company, so maybe this will work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: OK

Complaint narrative:
I am filing a dispute on this collection that is not mine. I have contact XXXX to verify this and with all the information provided, XXXX has found no info pertaining to this. 

I also contact the collection agency which gave me some info, such as the address that this account is linked to. Address is link to business in XXXX, GA. Which I have nothing to do with. No business or I do not live anywhere near there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: SC

Complaint narrative:
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. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 instructions.

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. 
15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-10-20 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: VA

Complaint narrative:
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. 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 finish a account without my written instructions 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 XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is CAPITAL ONE which was opened XX/XX/2013 with a balance of {$0.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TN

Complaint narrative:
late payments remove now!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late XXXX must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. 
I have been disputing these items since the pandemic and have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX  where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation