vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us auto overcharging

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Numerous complaints were filed with a merchant XXXX XXXX over the last year online using XXXX XXXX as this is the only way they allow for complaints to be filed. The customer does not receive any copies or proof that the claim was submitted other than, at times an email days or weeks later stating that XXXX received it and it is " researching it ''. Each complaint was accompanied by screen prints and detailed descriptions of abuses and overcharges. About three months ago I compiled a list of all of the requests, individual overcharges charges, and literal theft from my account. XXXX never responded directly to my allegation but contacts me trying to sell more services and never returned the money or issues a credit. Since I could not get any response from XXXX I reached out to TD bank which issued a prepaid credit card. A claim was filed on XXXX. A was instructed to submit all relevant information which I did in a 105 page report which was faxed to a fax number provided in TD letter I received after I filed. Over two weeks went by and I received a letter form TD bank stating thy did not receive any documentation from me and are about to close my dispute and reject my complaint. I confronted TD bank via phone stating a have proof they DID receive the fax with 105 pages report and submitted that report via fax again for good measure. Again, no response from TD Bank... When I called and inquired about the status I was told that since the dispute is more than 60 days old they can't do anything about it ... That is nonsense, as my attempts to resolve this situation took a very long time I believed XXXX was acting in good faith and I had no reason to believe it will not be resolved in my favor due to the preponderance of the evidence I collected damming XXXX XXXX and their practices. When I explained again to the customer service rep over the phone, I was told that the claim will be looked at again. I would like to remind you that it seemed at no time TD Bank even looked at the report I provided. Again, no communication from TD Bank other than " boiler plate '' letters stating absolutely nothing! When i contacted TD BAnk again i was told that the merchant XXXX ADs provided an answer to my dispute to TD bank and based on that TD bank decided to reject my claim as according to them " error did not occur ''. I was floored as only an XXXX or someone completely biased would not see the logic and reason to approve my claim. I requested to see the response from XXXX and was told i will receive it via mail. That was 3 weeks ago... and I still have not recived it. 
I have no faith in TD Bank protecting my deposits from fraud and abuses by merchants as this is not the first time this happened. In my 105 page detailed report I documented overcharges of {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I respectfully call for your adherence to the Fair Credit Reporting Act ( FCRA ), a critical legal framework designed to safeguard the rights of American consumers concerning credit bureaus. In light of this regulatory context, I kindly request Equifax to take the necessary steps to omit the following account details from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize that the inquiry associated with this entity was not initiated by me. In accordance with the FCRA, which places substantial importance on the accurate and equitable representation of individuals ' credit histories, I implore your prompt attention and resolution of this matter. 

Your steadfast commitment to upholding the core principles of consumer rights within the realm of credit reporting is greatly appreciated. I look forward to your timely response and the corrective measures needed to address this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
ON MY TRANSUNION REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY 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 non-monetary relief
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
ON MY TRANSUNION REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY 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 non-monetary relief
Consumer complaint received 2023-08-13 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
Equifax is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation claim I owe {$2900.00} but under Virginia State code they can not collection debt over 36 months old. I have tried to explain this but they did not care, I also sent them a copy of the code Sect 8.01 846.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I pulled my credit report and still noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX  Date Opened : XXXX Balance : {$9100.00} Account : XXXX Date opened : XXXX  Balance : {$2400.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$8500.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$4100.00} Account : XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$63.00} Account : XXXX  Date opened : XX/XX/XXXX Balance : {$1100.00} I am entitled to complete and accurate credit history ; they are missing account information and they need to be removed. 

I want my credit report to be accurate and by law these companies need to remove accounts that are inaccurate, incomplete, or unverifiable. These companies need to respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE on file for the accounts above. Unverifiable accounts must be removed immediately. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account that has late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX has late payments reported on XXXX XXXX XXXX XXXX XXXX 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ). These companies are in violation of 15 USC 1681.

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 2023-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: MOHELA
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: PA

Complaint narrative:
ON MY XXXX REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Purchased from XXXX shoe size XXXX, retailer shipped size XXXX. Was unable to resolved issue with retailer ( return options not available ) - hence filed a disputer with credit card company ( american express ). Credit card company denied the dispute- even though merchant was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: LA

Complaint narrative:
I have spoke with transunion and I have attached the documents that they told me to send to them. I also sent it to them by certified mail. These fraudulent accounts are messing up my life. I have been denied credit because of these accounts. I have already invested in a credit monitoring so that I can immediately see if anything happens with my credit. This is me writing this trying to rectify they situation. I have included documents to verify my identity also

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