vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD Date of Birth : XX/XX/1986 SS # : XXXX To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. HIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 explanation
Consumer complaint received 2023-07-12 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: NC

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 




XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received copies of my credit report currently and saw inquiries that I have reported to all 3 credit bureau on more than one occasion. I have placed more than one disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all 3 credit reporting bureau ( XXXX, Equifax, and XXXX ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : XXXX : XXXX XXXX  XXXX Inquire on XX/XX/XXXX Inquire on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX Equifax : XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXX ( Twice ) Inquire on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX. XXXX, XXXX XXXX Inquire on XXXX XXXX, XXXX XXXX : XXXX XXXX Inquire on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I received copies of my credit report currently and saw inquiries that I have reported to all 3 credit bureau on more than one occasion. I have placed more than one disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all 3 credit reporting bureau ( XXXX, XXXX, and Experian ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : XXXX : XXXX XXXX XXXXXXXX Inquire on XX/XX/XXXX Inquire on XX/XX/XXXX XXXX  XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXt Inquire on XX/XX/XXXX ( Twice ) Inquire on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX. XXXX, XXXX XXXX Inquire on XXXX XXXX, XXXX Experian : XXXX XXXX Inquire on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-12 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:
Experian did not remove fraudulent items off of my credit file. Please reinvestigate these items, and remove them if they can not be verified. I have submitted a copy of my driver 's license, social security card, and proof of address.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 2023-07-12 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I requested my XXXX report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called Early Warning XXXX and XXXX have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
My order # XXXX was allegedly delivered via XXXX tracking # XXXX on Monday, XX/XX/2023 at XXXX XXXX. I immediately called XXXX XXXX XXXX to let them know that the package was never delivered. They said they would issue a refund, which I never received so I disputed it with my bank. My bank ( Chase ) issued a temporary reversal of the charge in the amount of {$87.00} until the investigation was completed. XXXX XXXX XXXX provided a proof of delivery photo from XXXX which it clearly shows that the package was actually delivered to someone else 's house instead of mine. I called XXXX XXXX XXXX back on XX/XX/2023 because the bank charged my account for the amount, due to a proof of delivery photo that was provided by XXXX XXXX XXXX. The photo that was provided by XXXX XXXX XXXX XXXX, shows the package on a mat in front of someone else 's house NOT MINE. The photo also shows that the garage is to the right of their porch and the number on the house is not showing in the photo. My garage at my home XXXX is to the left of my porch. You can also see the number is posted visibly on my house. I disputed the transaction with Chase and the charge was reversed due to the picture XXXX XXXX XXXX furnishing PROOF IF DELIVERY which was the photo provided by XXXX. After getting notice of the reversal charge, I contacted Chase and was told that due to the " PROOF OF DELIVERY '' photo which was provided by XXXX XXXX XXXX the investigation was closed and that it was nothing further that could be done. The representative just didn't want to hear that XXXX made an error. After explaining that XXXX delivered the package to the wrong address. I then filed a missing package report with XXXX, but was told that all resources were exhausted and the package couldnt be located. XXXX then informed me that I needed to again contact XXXX XXXX XXXX to file a claim for the lost package, which they refused after speaking with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

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 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 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 2023-07-12 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
On XX/XX/2023 I called in to Capital one to pay my two accounts and the Walmart card which they also manage. The man said he was sorry that my autopay had failed last month and I said me too, and we spent an hour on the line setting up auto pay again with a new checking account number and also I went through the long process of paying each account as well. This is all recorded by Capital one and I am formally requesting that this be listened to in order to validate my statements here. 
On the XXXX late in the day, ( my due date is the XXXX before XXXX eastern ) I received multiple letters from Capital One. No one called me, they just mailed letters which meant I had no time to contact them in order to pay on time. Sending letters to me meant I missed all my payments and was assessed a late fee for each account and also all three accounts were then sent as late to the credit reporting agencies. 
here is what the letters said : your payments made over the phone on XX/XX/XXXX did NOT go through, and your auto pay for each account has also been cancelled. We attempted to process them and your bank rejected them. ( I called my bank and they said NO ATTEMPTS WERE MADE BY CAP One. ) Also the letter said I could never use my checking account to make payments again. 
so, how in the world should I make payments now, I thought. So I called Capital one on XX/XX/XXXX after their XXXX cut off, to make the payments. I was told too bad, you are late because you missed the XXXX deadline, but had just gotten the letters. I called as soon as I got them from the mailbox. I am formally requesting that this call on XX/XX/2023 also be listened to, to support my claims. I was told that the checking account number they had on file for me WAS in fact the correct number! We verified it against my checkbook several times!! she said she didnt know how this could have happened. She and I spent an hour on the phone setting up auto pay once again for all three accounts, and I made my payments ( again ) but NOW I had to pay the EXTRA {$45.00} late fee for each account as well!! Inn order to keep my accounts current, I agreed and I received a confirmation code for EACH PAYMENT that we made again on XX/XX/2023. 
Today, XX/XX/2023 these payments were cancelled. They have NOT been presented by Capital One to my bank, and have NOT been paid. 

I am attempting to keep my accounts current and preserve my credit, but seem unable to do so. All I want to do is make payments and keep autopay on, but I am now THREE Months behind as I am UNABLE to get Capital One to accept my payments!! 

please help me thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I run free credit reports periodically. Ran reports today for XXXX, XXXX and Experian. 

Report showed XXXX soft inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). 

While I realize that soft inquiries don't impact my credit score, I have never been a customer nor had any interaction with XXXX XXXX. 

I called XXXX and they advised they had no record of my ( by email address ) and couldn't help me. They stated I would have to dispute with Experian. 

Tried to submit a dispute online with Experian but their website doesn't allow disputes of soft inquiries. I did notice that there was a new soft inquiry showing for today ( XX/XX/XXXX ). 

I called Experian where they advised the could put a fraud alert on my record but they couldn't remove the soft inquiry. 

I pointed out that ( possible coincidental ) the XX/XX/XXXX and XX/XX/XXXX also correspond to dates when I ran credit reports and also show soft inquiries by Experian. I CAN'T NECESSARILY PROVE IT, BUT IT WOULD APPEAR THAT RUNNING A FREE CREDIT REPORT WITH EXPERIAN IS RESULTING IN A SOFT INQUIRY AND SHARING OF MY DATA WITH XXXX XXXX. 

The representatives put a fraud alert on my record and reactivated promotional offer opt-out, but stated that Experian has no relationship with XXXX and the free credit reports are not causing the soft inquiries. A simple web search reveals that there is a relationship https : //fintechmagazine.com/articles/experian-marketplace-giving-financial-power-to-consumers I have attached credit reports from XX/XX/XXXX and today. Page 12 of the XX/XX/XXXX report shows the XX/XX/XXXX and XX/XX/XXXX soft inquiries to XXXX. Also attached is an online screen shot from the Experian dispute website that shows the new soft inquiry on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation