vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: NJ

Complaint narrative:
Pursuants to 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. i never gave written consent to report anything on my consumer report. No consent is identity theft! I sent in detailed letters on XX/XX/2022 explaining that there is unauthorized Inquiries on my consumer report and not only are my rights being violated they are not in compliance with the FCRA. It has been 60 days since the letters were sent out and these unauthorized items are still on my consumer report. Seeing these items furnished on my report without my consent is causing me to lose confidence in the banking system and if they are not removed I will not allow XXXX or Transunion to furnish a report for me and I would not like to do business with them anymore.

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 2022-04-04 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: FL

Complaint narrative:
I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$970.00} Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX XXXXXXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1000.00} Account name : XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$310.00} Account name : XXXX PARTNERS Account Number : When account was open : XX/XX/XXXX Account Balance : {$300.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$720.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$54.00} Account name : XXXX XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX Account number : When account was open : XX/XX/XXXX Account balance : {$3700.00} Hard Inquiries Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Incorrect Addresses reported to be deleted : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect names to be deleted please XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: FL

Complaint narrative:
I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$970.00} Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX XXXXXXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1000.00} Account name : XXXX XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$310.00} Account name : XXXXXXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$300.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$720.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$54.00} Account name : XXXX XXXX XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX Account number : When account was open : XX/XX/XXXX Account balance : {$3700.00} Hard Inquiries Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Incorrect Addresses reported to be deleted : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect names to be deleted please XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-04-04 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: MD

Complaint narrative:
Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with Experian, XXXX and XXXX. Thank you in advance for your help and assistance.

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 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
ABILITY RECOVERY SERVICE has reported that I opened an account on XXXX XXXX, 2022 and have defaulted on a loan in the amount of {$310.00}. I do not have an account with this company or the originator XXXX  that was opened on XXXX XXXX, 2022, and do not have a debt related to this date and amount.

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 2022-04-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # 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.

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 2022-04-04 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:
ATTN Fraud Department : Remove fraudulent accounts 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 2022-04-04 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: MD

Complaint narrative:
Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with XXXX, transunion and XXXX. Thank you in advance for your help and assistance.

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 2022-04-04 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: MD

Complaint narrative:
Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with XXXX, XXXX and equifax. Thank you in advance for your help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. A late payment was reported to both my XXXX and Experian  credit files for the month of 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 15 U.S.C 1666B : 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 explanation
Consumer complaint received 2022-04-04 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: GA

Complaint narrative:
This is now my second complaint in the CFPB regarding Equifax. In my previous complaint I pointed out that Equifax allowed unauthorized inquiries to stay on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Equifax claimed that the inquiries from XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX  are " factual ''. I personally have no acknowledgement of these inquires whatsoever. This may belong to a person with a similar name but they are NOT MINE. I called each creditor personally and asked them about the inquiries they told me that " the will notate the account and submit a movement to have it deleted off my credit report '' however, Equifax is not reflecting that. The problem I have with this is If I, as the consumer, don't know about this inquiry and the creditor also doesn't know how it got there. How then is Equifax claiming that this is factual? They can not! Therefore these inquiries MUST BE DELETED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # 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.

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 2022-04-04 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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act All XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had been a perfect customer with CapitalOne. I moved, and in all the activity my original card was misplaced. It was not a problem, as I canceled the card number and requested a new one to be sent to my new address. 

CapitalOne sent the new card to my new address, but the U.S. Postal Service needed a week for my change of address to kick in. I found out that USPS returned the card to CapitalOne. 

CapitalOne is making an enormous big deal of the situation and demanded that I email them evidence of my existence!!! 

They demand that I email them the front and back of my driver license. I did this, but they claim that the back of my license image is a bit fuzzy. I do not have access to a scanner, so I had to rely on a camera photo that I took of it. 

Fortunately, I had a scanned copy of the front of my license, which I sent. 

They are denying sending my new card because they say that the back copy of my license is not clear enough. 

The back copy of the license has extremely tiny lettering, which even my XXXX camera can not duplicate clearly. 

I offered to send my passport, birth certificate, ss card, and any other possible form of identification. 

There is no logical reason why they will only accept the back of a driver license, which is impossible to reproduce because the lettering is so tiny. 

Ironically, THEY SENT ME THE REPLACEMENT CARD ALREADY WITH NO DOCUMENTATION OF EXISTENCE, but the USPS screwed up and sent back the envelope because my change of address did not initiate for a week. 

Also, like I mentioned, I have been a model client, reimbursing any credit card purchases within a matter of 3 days each time. 

Now, all of a sudden for no reason, I am treated like a criminal because their letter was returned. 

The back of a driver license is a ridiculous choice for identity. It is impossible to reproduce clearly. 

I would ask that CapitalOne be fair and accept a different and better form of identification that I can transmit to them via email. 

Their inflexibility is extremely disrespectful to a model client. 

Also ironic, is that CapitalOne initiated my involvement with them. They contacted ME about starting a new card, I never contacted them about it.

ALSO, THEY RAISED MY CREDIT LIMIT BY TWO TIMES THE ORIGINAL LIMIT because I was such model customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. A late payment was reported to both my Transunion and XXXX credit files for the month of 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 15 U.S.C 1666B : 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 2022-04-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.

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 2022-04-04 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 All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instru
ctions.

Company response to consumer: Closed with explanation