vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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 am a victim of identity theft and would like all of these incorrect items removed from my report and all of my personal information corrected.

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 2024-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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 am a victim of identity theft which created negative accounts on my report and incorrect personal information.

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 2024-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased {$940.00} and on XX/XX/XXXX, I purchased {$500.00} worth of goods using XXXX XXXX XXXX XXXX XXXX Issued by Citi Bank ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX under promotion of free interest for XXXX months and XXXX months. 
On XX/XX/XXXX, I paid minimum payment of {$29.00} as required by XXXX XXXX XXXX XXXX. 
I made additional purchase of {$290.00} worth of goods. 
On XX/XX/XXXX, I paid a total of {$320.00} ( minimum payment of {$29.00} + {$290.00} ). 

XXXX XXXX XXXX XXXX charged me {$3.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as Interest Charge on Purchases. 

I called XXXX Customer Service number on the back of card to dispute the charge and waive the Interest Charges. The customer Service waived {$4.00} but did not waive {$3.00}. She said I will be charged interest on {$290.00} until the balance of {$940.00} and {$500.00} is paid off and I can not pay off {$290.00} until I pay off {$940.00} and {$500.00}. 

On XX/XX/XXXX, I paid off balance of {$940.00} and {$500.00} and closed off my XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has a balance of {$3.00} that it wants to collect from me. 

This is a scam saying XXXX months and XXXX months interest free promotion.

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 monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I was contacted by an employee of Spring Oaks Capital via telephone in regards to a debt I am unaware of. I sent the company a XXXX page request for a validation of debt as well as an email to the customer service department given to me requesting information and validation of debt. 

This debt validation request was sent XX/XX/year> via email and sent certified mail by way of the United States XXXX XXXX on XX/XX/year>. I received a return receipt which is attached in this complaint. A company representative signed for this document attached on XX/XX/year>. 

At no time whatsoever did Spring Oaks Capital reply to my request instead my request was ignored and a collection account was reported on my consumer file. I have not received anything by way of telephone, email or physical mail. 

Spring Oaks Capital violated my rights. I have never had any knowledge or and account with the institution noted on my consumer file. 

Even after receiving the email on XX/XX/year> and physically on XX/XX/year> Spring Oaks Capital clearly must be in belief that they are above Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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 recently obtained a copy of my credit report and noticed discrepancies. As per the information I've received, it's necessary to authenticate any inaccuracies. The following items/accounts require verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Kindly conduct an investigation into the accounts I've specified and send me the results via mail. According to online sources, this process should be completed within 30 days, hence I'll await your response within that timeframe.

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 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld systems I XX/XX/XXXX As well as over 40 hard inquiries. I have been disputing for fraud for several months and the services keep adding the listing back to my report. The inquiries are hurting my credit. I have called the inquired places several times and they say they can not assist me because I dont have an account for them to look up my info. I am getting very frustrated because I did not approve any of the above dating back to XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-04-01 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: PA

Complaint narrative:
TransUnion, XXXX, and XXXX are violating my rights pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ; 1681s-2 ( 6 ) ( B ) ; and 1681c-2. I am a victim of identity theft, which occurred at my current address by someone associated with my address, in my fathers name XXXX XXXX, in which i am his XXXX. Namely, regarding a credit card, XXXX  XXXX XXXX account # XXXX in amount of {$4300.00}. I noticed on TransUnion, XXXX, and XXXX 's credit reports about me, this inaccuracy listed. I filed an identity theft report, FTC # XXXX. I provided the reporting agencies proof of my identity ; a copy of my FTC identity theft report ; identity of the inaccurate information listed on my report ; and a statement from myself that the information listed is not information relating to any transaction by me.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have requested that in three different occasions that each credit bureau XXXX, XXXX, and Transunion provided me with Original Level documentation from the Original creditors about the accounts reported. Neither the Credit bureaus nor XXXX XXXX XXXX were able to provide any evidence of account ownership from me, nor signed contracts where I owe XXXX XXXX XXXX any amounts at all. Hence another account was disputed because even XXXX was not able to produce such documentation.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have requested that in three different occasions that each credit bureau XXXX, Experian, and XXXX provided me with Original Level documentation from the Original creditors about the accounts reported. Neither the Credit bureaus nor XXXX XXXX XXXX were able to provide any evidence of account ownership from me, nor signed contracts where I owe XXXX XXXX XXXX any amounts at all. Hence another account was disputed because even XXXX was not able to produce such documentation.

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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX : :-XXXX XXXX XXXX  XXXX XXXX15 U.S CODE 1681b-PERMISSIBLE PURPOSE And 15 U.S CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION and 15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Or I will begin civil litigation and charge a {$1000.00} per each violation under 15 U.S Code 1692k - Civil liabilty and 15 U.S Code 1681n - Civil Liabilty for willful noncompliance to the fullest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting 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:
Credit card was paid in full and account closed. But credit card has not yet updated credit report to reflect paid in full as of XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-04-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, has refused to accurately do the verification of the method of all this inaccurate information on my credit and they're in violation, of 15 U.S. Code 1681i,15 USC 1681 E, 15 USC 1681 S-2 XXXX days ago and information still on credit and some was removed and put back on my credit.

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 2024-04-01 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: TN

Complaint narrative:
I am writing this complaint to dispute with the consumer reporting agencies regarding inaccurate accounts that I have spotted in my consumer reports. Especially with EXPERIAN. I want to make certain that my letter to the consumer reporting agencies is responded to and the disputes are initiated per FCRA 15 USC 1681i. I want my consumer reports reinvestigated because there are inaccurate late payment notation and dates, and there is missing payment history information regarding some of these accounts. The negative, inaccurate, and incomplete information being furnished and missing from my reports are damaging my character and reputation. Please resolve this 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 explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
My personal information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/1985 Phone Number : XXXX SS # : XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The following accounts are the result of identity theft and should be blocked, 1 ) The following fraudulent account must be removed from my credit report. 
Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. 

2 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX  Account Number : XXXX Fraudulent balance : XXXX {$1200.00} This account is not mine. 

3 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. 

4 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. 

5 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. 

6 ) The following fraudulent account must be removed from my credit report.

Account Name : XXXX XXXX XXXX Account Number : XXXX This account is not mine. 
Fraudulent balance : {$10000.00} 7 ) The following fraudulent account must be removed from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine The following accounts are the result of identity theft and were opened without my authorization. 

I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.

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