vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : 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 2024-03-08 00:00:00
Product: Credit reporting 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 continuously asked Experian to remove the erroneous information regarding a phone number that is used to contact me which is not my number nor have I ever had this number that they keep listening on my credit report for the personal statement the phone number they keep putting on my credit report is ( XXXX ) this is not my phone number nor has it ever been and somebody has been hacking and tampering in and I am a victim of identity theft they have put this phone number across all three credit reports I reported it to Experian they still refuse to remove it even after I made a statement they took it off XX/XX/XXXX I got an alert from one of my other credit monitors stating that was removed and I never requested it it has no expiration date my personal statement and I have proof I would like to submit copies of what they're posting my phone number is XXXX and has been for years and it's the same number that's in my profile experience is assisting these people in targeting me they have a leak in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my XXXX XXXX I noticed some things that don't seem quite right, and it appears my XXXX have been stolen XXXX. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX XXXX were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the XXXX behind these inquiries. It would mean a lot to me if you could assist in removing the following from my XXXX XXXX these are the inquiry : XXXX XXXX - Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I called Experian to make them aware that they are incorrectly reporting a Home Equity Line of Credit with Figure Lending I opened in XX/XX/XXXX. I could not get any assistance or resolution talking to their representatives in Membership or Dispute. They are reporting the account like a credit card causing my credit utilization to more than double from 30 % to now 70 %. HELOC 's are loans against the equity of a house and are not to be treated like a credit card in terms of credit reporting. This tremendous increase in my utilization is impacting my credit score, my ability to obtain new credit, and is completely inaccurate in terms of utilization. XXXX has this same loan listed under Mortgage and XXXX XXXX has it listed under Real Estate . 
It is a second mortgage and this is how it should be listed by Experian. Experian is a major credit reporting agency and many potential creditors obtain reports from them to decide whether or not to grant credit. This can negatively impact my quality of life and creditworthiness. Experian needs to fix this immediately. None of the individuals in the membership department could assist me. They transferred me to the dispute department. That department says they can not help me because they only deal with disputes that are the fault of the creditor and in this instance, it is the fault of the credit reporting agency. 
I am now asking CFPB to intervene in this matter please. This violates the Fair Credit Reporting law. This is unbelievable and this type of treatment of American consumers is not acceptable.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/2024 at approximately XXXX XXXX, I called LexisNexis and spoke with XXXX XXXX and he stated that LexisNexis obtained my bankruptcy records from the Courts and that the Courts provided and verified that information. I disputed that information to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are inquiries on my account that were done without my authorization and consent. 

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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is NOT a XXXX  complaint. do NOT place a XXXX  alert in my XXXX XXXX. 

I have challenged the reporting of a XXXX  on my XXXX XXXX  XXXX separate XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their XXXX  possession on each of those XXXX. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX XXXX reporting. 

In the event they did not have any documentation in their XXXX possession as of the XXXX  of these XXXX, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these XXXX accounts, they are required to delete them immediately. Failing to do so is damaging my XXXX and XXXX 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX XXXX reporting ( and not just verified through a XXXX XXXX  ) or it MUST be removed immediately.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file.

I have challenged the reporting of a bankruptcy on my credit report 6 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one/walmart closed my account and they are reporting late payments for XX/XX/2024 According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.

I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One/Walmart : The financial institution and the consumer reporting agencies XXXX and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to XXXX, XXXX or Capital One/Walmart whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One/Walmart NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law.

15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time.

" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
RE : NOTICE OF INVESTIGATION As the Authorized Representative of this account, over the past 4 years I have made subsequent attempts to have the accounts reasonably investigated in accordance with the FCRA, FDCPA and GLBA, which have all been ignored. Your violation of willful non-compliance has injured my credit reputation and caused me harm, stress as well as put me in grave danger.

NOTICE : REQ PROOF OF AUTHORITY Due to it being apparent that EQUIFAX is in possession of the consumers personally identifiable financial information aka non-public personal information and reporting unlawfully and without permissible purpose. I am conducting a FULL investigation on EQUIFAX, and therefore I require that EQUIFAX respond and provide the following proof in the form of a signed affidavit sworn under the penalty of perjury by an officer that has the authority to execute this affidavit on behalf of EQUIFAX and to bind the same to its provisions of the following ; ( outlined in the attached affidavit ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Prepaid gift card was purchased in XXXX of XXXX for {$75.00}. 

I tried to use said gift card at an online retailer of choice on XX/XX/XXXX for a purchase under the balance of the gift card. XXXX was declined and I immediately called AMEX support for assistance. They said there was nothing they could do and that I wasnt able to use the card at that retailer and that it was an issue in the retailers end. Followed up with the retailer and they provided me information saying that the bank declined the transaction and to contact AMEX again to solve issue. 

I called AMEX support again on XX/XX/XXXX and they were again saying that it was an issue with the retailer and wouldnt help me solve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I am on the brink ( or perhaps even over ) of making enough qualifying payments for PSLF. I have been trying for months to get in touch with someone at my loan servicer, MOHELA, because my payment tracker has not moved in months even though I've been making qualifying payments. I am at my wit 's end, I'm potentially making payments PAST the point where they should have been forgiven. I quite literally can not get in touch with anyone at MOHELA. Not by phone, email, or any other means. I need this fixed immediately. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
On XX/XX/year> I received a debt collection notice in the mail from Midland Credit Management indicating that they purchased an alleged debt fron XXXX, XXXX. XXXX XXXX. Upon receiving this notice I responded twice with letters that I sent registered mail requesting Validation and Verification of alleged debt. I was very clear in my response what Verification and Validation I was requesting. I have not recieved a response for full Validation and Verification. I have now been sent notices of possible attorney review and pre- legal notification without Midland providing full and specific verification and validation! I strongly question and dispute the amount they are claiming I owe!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting 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:
There was an affidavit sent to XXXX, XXXX, and Transunion regarding account XXXX XXXX on my credit report. I informed the CRA 's of the illegal reporting due to permissible purposes and exclusion laws. I submitted a FTC report which is attached to this complaint. I also noticed that the account has different information being furnished to each credit reporting agency which is also illegal and a violation of the FCRA. Please note that I am the only natural person writing this statement with the help of no third party. See the attached FTC report and inaccurate credit report and remove this account 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