vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: NY

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 XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with XXXX XXXX. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have numerous inaccuracies on my credit report starting with previous addresses that are wrong and not mine. Previous employers that are not mine and 3 accounts that are labled charge off which is in correct and an account that was never late and an account with the date of activity which is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NY

Complaint narrative:
I have contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX  New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account 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 explanation
Consumer complaint received 2022-08-18 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: NY

Complaint narrative:
I have contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account 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 explanation
Consumer complaint received 2022-08-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX 2 ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 3 ) Account Name : XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX  XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-08-18 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: SC

Complaint narrative:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and XXXX it was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: SC

Complaint narrative:
I sent a letter to XXXX, XXXX and Experian on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and XXXX it was completed

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 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
You have violated my rights. you sent a letter stating that my fraud case was closed but didnt send anything validating this. How are you sending me a form to fill out with information when stating i owe you anything. You should be showing me how i owe this debt when i know i dont. In pursuant to 18 USC 8 all debts are a obligation of the united states. so I dont owe this debt they do. Also you stated in a letter that i recieved before that you are the original credit which is incorrect this consumer credit transaction would not have been able to come about with out my social security number which is the only way that you were able to recieve these funds. 15 usc 1692a ( 3 ) I am the consumer ( 4 ) as i stated above I am the original creditor of this account I am demanding that this account be removed from my consumer report as i previously requested because I didnt give you written permission to add this account to my report at any time. You have also sold several things to XXXX XXXX XXXX as well which is annother violation 15 USC 1692d, 15 usc1692c. You have caused me so many issues from not being able to get jobs because of the things you illegally reported. To having my phone constantly ringing from your debt collectors to you blowing up my email. then not even allowing me to login to said accounts. Also you are sending positive balance statements which means you have already been paid for these accounts so you are actually double dippimg trying to get extra money in which is illegal as well. you have charged off most of my accounts with you all and i have never received a 1099 for. XXXX I should check with the irs inregards to that because thats illegal as well.Pursuant to 15 USC 1692k I am demanding that these accounts be removed immediately and a check or all security interest and any amounts paid on these accounts be returned to the name and address listed on this complaint with in 15 days. 15 USC 1692I i am well aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I contacted National Credit Systems INC. I spoke with XXXX XXXX. I paid the balance in full ( approximately {$2600.00} ) owed on behalf of XXXX XXXX XXXX. I was assured by XXXX once XXXX updated my payment I would receive a paid in full letter ( attached ) and the debt would be removed from my credit report. Until recently, this was true. 

On XX/XX/2022, I submitted a rental application for XXXX XXXX of XXXX XXXX I was denied rent because XXXX XXXX reported the balance of {$2600.00} for XXXX XXXX Apartments was still owed. 

I called XXXX with XXXX XXXX company ( the management company for XXXX XXXX XXXX XXXX on XX/XX/2022 and was advised to contact XXXX as they were reporting the incorrect/negative information. I called all three credit reporting agencies and each one stated that neither XXXX or XXXX XXXX was reporting on my credit report. I can not submit a dispute that does not exist. 

On XX/XX/2022 I contacted XXXX XXXX and spoke with XXXX. XXXX advised he would submit a complaint to XXXX XXXX on my behalf. Reference number XXXX. 

I received a notification today ( XX/XX/XXXX ) my credit reports had been updated by XXXX. All that was done by XXXX was to update my report with " dispute received ; account reporting accurately ''. I am tired of XXXX ' automated system flagging my credit report as disputed without an actual human verifying the information. Especially when a copy of the paid in full letter was submitted. 

Having this debt on my credit report is causing me financial harm. I am scheduled to move from my current residence on the first of XXXX and have no where to live and like many others I can't afford a hotel. If I am not working I will lose my job. I can not simply stay in a woman 's shelter. 

I want the account removed from my credit report as promised by XXXX ( tecorded line ), along with the dispute. I also asked XXXX to follow up with XXXX XXXX as I never received my deposit back from them. To date I have not received a response from XXXX or XXXX. I did contact XXXX XXXX as well, to which was in vain as they never returned my phone calls. I received the same lack of response from their corporate office as well. 

I do not think it is too much to ask to report accurate information and I am tired of XXXX not taking the time to do the research. It's not complicated as they have the information on file. 

I am sincerely hoping that you can expedite my request and have my credit report corrected as soon as possible. If I need to seek legal action I have no problem taking this route as this debt should have been updated and corrected at the beginning of XXXX. 

Thank you for your time and I look forward to hearing from you soon. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have numerous inaccuracies on my credit report starting with a previous address that is wrong and not mine. 3 accounts that are labled charge off which is in correct and an account with the date of activity which is wrong

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 2022-08-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX  Account XXXX XXXX, has violated my rights. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was sent a pre-approved card from Capital One Quicksilver. I applied, was accepted and asked to provide ID, Drivers license and proof of residency, which I did via email. They sent my approval notification and I was given a credit limit. I notified the company that I would be out of the country, where and how long. I decided to use the card for all expenses. I purchased a few items and the hotel had charged my card with a {$200.00} hold. When I got to a discount store, my card was declined. I called Capital One to ask what the problem was and was told that I needed to re-submit my picture ID, Social Security card, and proof of residency. I informed them that I had already submitted my ID and proof of residency but would no send anyone my SS card. I was told that the card would remain suspended until those things were received because they wanted to make sure that I was indeed the person who applied for the card!. I explained that I was out of the country and depended on that card to pay for my expenses and asked them how was I going to survive without the card that they initially approved. The response was, " we will not reinstate the card without those 3 items and when you send them, we will wait 7-10 business days to decide whether we will re-activate you card. '' I suspect fraud by Capital One who approved me for credit and then decided to decline my card stating they needed to know if I was the person who applied, actually seeking more personal information for other purposes. They left me destitute in a foreign country! And had the audacity to send me a statement for payment by XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group
State: MS

Complaint narrative:
4 Remaining Negative Accounts. 

Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : USA FUNDS Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation