vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. XXXX XXXX, XXXX, AND EXPERIAN have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY XXXX I have called, mailed, and disputed online and they still have not to removed the account even though XXXX confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2020-12-29 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: GA

Complaint narrative:
On XX/XX/2020, letters were sent to XXXX, XXXX, and Experian alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, identity theft.org report along with rules that they must follow. 7 days later, XXXX quickly removed the accounts. Experian alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. XXXX decided to trigger a regular investigation. Due to the laws in place, Experian and XXXX are to remove the items identified as fraud. This has not happened.

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 2020-12-29 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: NC

Complaint narrative:
I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TN

Complaint narrative:
I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.

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 2020-12-29 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: TN

Complaint narrative:
I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.

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 2020-12-29 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:
Card co. is reporting me as 30/60 days late in XXXX XXXX. This is incorrect. I was a victim of fraud, my card was lost and used by unknown person. At the time my balance was {$0.00}. I was told I was not responsible for these charges. Investigation found in my favor. Card Co. reports me as late, these were not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 2 months.

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 2020-12-29 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: CA

Complaint narrative:
I have disputed an account XXXX XXXX XXXX XXXX numerous times with this bureau because it does not belong to me. They have not proven to have verified or validate this account at all while continually updating it to verified and accurate. I have not received any proof of verification at all. I have asked for the name and position of the individual as well as the documentation of this account showing it belongs to me. This negative info is causing me a lot of stress and wasted time. Please do not play anymore games for stall tactics, this is me disputing this invalid account on my reporting, I have attached my Driver 's License, Social Security Card as well as the credit report showing the invalid account. I will have to pursue legal action if this account is not promptly removed from my 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 explanation
Consumer complaint received 2020-12-29 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: NC

Complaint narrative:
I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. XXXX  has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

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 2020-12-29 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: CA

Complaint narrative:
I have been contacting Transunion since XXXX of this year atleast twice a month. I have filed ftc reports proving fraud, several cfpb complaints, XXXX XXXX XXXX complaints and even contacted them directly for help. They have not showed any proof of the accounts i told them were not mine. XXXX and XXXX  data breach both have my information in their systems to prove my info was stolen. transunion is just receiving this information and sending out the same letterx. illegaly denying me to remove the items that are not mine. can someone please help me. they are not willing to take off acounts that are not mine and I have tried comtacting cfpb as well for 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 explanation
Consumer complaint received 2020-12-29 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:
MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. TRANS UNION, XXXX, AND XXXX  have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY XXXX I have called, mailed, and disputed online and they still have not to removed the account even though XXXX confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried at least 50 times to contact Experian to reconcile my credit account. They continually send me emails stating that my credit score has " changed '' or it " has decreased ''. I know my log-in username, but am having trouble with the password. I have followed every possible step to reset the password. I have called the following numbers and can not get ANY assistance : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX I think that this company is fraudulent and deceitful in every way. I would like to get an immediate answer so that I can access my Experian Membership account. I should not be needing to access my private information and can not do so for over 5 months. Please assist in any way. 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 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: NC

Complaint narrative:
I have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was incarcerated from XX/XX/XXXX-XX/XX/XXXX, ten ( 10 ) yrs. While incarcerated, my identity was compromised. I found this out upon release through credit reports from XXXX, XXXX  and XXXX. After due diligence on my part, multiple accounts were deleted from my report from several different merchants. Three ( 3 ) accounts were with Capitol One in XXXX, XXXX  and XX/XX/XXXX, a account for each month. After speaking with the fraud department and complying with requested information to prove my I.d . and innocence, two of the three accounts were declared fraud. One was not and several factors contributed to the inaccurate " validation '.

One being that the monthly payment from Capitol one was paid by a bank in Kansas. I asked which bank and was denied the name multiple times until someone disclosed this to me. I called that banks HQ and was provided a statement PROVING I had never had any interactions with them in any capacity and Capitol One refused to accept this stating its a civil matter now and that I've exhausted my investigations with them. Stated that I, m stuck with a {$1200.00} debt. 

Two was that a cell-phone number and address was linked to the account. I provided proof of my incarceration by a signed letter from a credible employee of the State of Indiana stating I was where I was during the fraudulent activities. My address in at the correctional facility does not come close to comparing with any address they had on their file. Starting with just the state and zip code. It is well known that prisoners are not permitted to possess cell-phones so i have no clue how that made ANY sense. 

Every " link '' Capitol One had was disputed with irrefutable-tangible proof and still they found no signs of fraud. Three accounts created back to back, two fraud, one is not. This wreaks fraud! I emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve this simple issue, all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Statement showing PAYMENT DUE DATE XX/XX/XXXX//SUMMARY OF ACCOUNT ACTIVITY Purchases {$0.00} INTEREST CHARGE CALCULATION Purchases//Balance Subject to Interest Rate $ XXXX I Processed phone payment XX/XX/XXXX {$400.00} with agent discussed plan to stop making purchases in order to maintain XXXX purchase balance. Agent reversed {$0.00} Interest Charge. My Letter dated XX/XX/XXXX to NFCU. Reply from NFCU indicates reduction in cash limit. Nothing concerning interest over charge interest calculation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TX

Complaint narrative:
I request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect Experian and XXXX  to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, Experian, or XXXX  need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. Experian, XXXX, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!

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 2020-12-29 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: MA

Complaint narrative:
TransUnion is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to TransUnion my XXXX XX/XX/XXXXstatement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXXXX/XX/XXXXChecking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 TransUnion refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.

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 2020-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020 I was charged {$670.00} for an appraisal fee. In the documentation it does not say I will be charged regardless of the appraisal takes place or not. I did not request it to be canceled as it could be transferred to a new lender under FHA protocols Bank of America canceled my loan application due to bias information that was conveyed to the underwriter from the lending agent XXXX XXXX NMLS : XXXX and now they are refusing to return the full fee. I have written documents that do not say i will be charged regardless. This is miss information on Bank of Americas part and i want to be compensated for the turmoils created by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
said collection agency didn't send adequate verification e.i a signed contract with me and the original creditor required by The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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:
On XX/XX/2020, letters were sent to Equifax, XXXX, and XXXX alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, XXXX XXXX report along with rules that they must follow. 7 days later, XXXX  quickly removed the accounts. XXXX  alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. Equifax decided to trigger a regular investigation. Due to the laws in place, XXXX and Equifax are to remove the items identified as fraud. This has not happened.

Company response to consumer: Closed with explanation