vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. 

But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

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 non-monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.

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 2024-06-06 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: Conn's, Inc.
State: NV

Complaint narrative:
In XXXX my identity was compromised and a theft somehow got a hold of my personal identifying information such as my name, my date of birth, my social security number, my address. The thief broke into my mailbox multiple times and stole my mail and used my identity to open several accounts, they also went and applied for government benefits in my name. Once i became aware of the identity theft I immediately reported it to the postman inspector general, and to the XXXX XXXX police department. When i seen Conn account pop up on my credit report, I knew I didnt open this account and so I reported the identity theft to XXXX XXXX XXXX XXXX and XXXX and directly to Conn. i wrote a dispute letter, along with a FTC id theft report and a copy of the police report filed with XXXX XXXX XXXX police. Conn has ignored my identity theft dispute. This is a violation of my rights under the FCRA. 

Conn has a duty to investigate a dispute from me the consumer sent to the address listed to receive disputes. Conn is in non compliance of 15 USC 1681s-2 ( A ) ( 1 ). Conn also has a duty to correct and update information being reported that is inaccurate. 

Not only has Conn ignored the Identity theft dispute that XXXX, XXXX and XXXX forwarded to them which is a violation of the FCRA, also Conn has ignored my direct dispute I sent certified mail in XXXX of XXXX and another dispute with a copy of the police report and FTC report in XXXX of XXXX. NO INVESTIGATION HAS BEEN DONE BY CONN. Conn has not investigated my dispute nor have they provided me the results of such investigation. It has been over 90 days and still no response from Conn.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I logged into XXXX XXXX XXXX and was able to print/ view my XXXX and XXXX report, however, I was unable to see my Equifax report. I got the message " Report already received, based on our records you recently received your free Equifax Credit Report. You therefore are not currently eligible for another free Equifax Credit Report through annualcreditreport.com at this time ''. But I had not received or requested one in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2024-06-06 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( 15 USC 1681, section 602 ( a ) ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy. XXXX, XXXX, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information remains confidential. This right is reinforced by 15 USC 6801, which mandates financial institutions to protect the security and confidentiality of customers ' nonpublic personal information.

According to 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor any financial institution has my consent to share my information, and I revoke any previous consent given. 

Per 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of information sharing. I was not informed of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years, which includes the account in question being reported without my permission.

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), it is illegal to furnish information known to be inaccurate. Furthermore, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations and restrict report furnishing to specified purposes. XXXX, XXXX, and XXXX are failing to maintain such procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out of reporting services at any time, and I am choosing to exercise this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-06 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: TX

Complaint narrative:
I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.

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 2024-06-06 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: TX

Complaint narrative:
I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
I trust this letter finds you well. This is to follow up and I would hardly express my continued frustration and disappointment with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this situation. I have submitted multiple disputes, provided supporting documentation, and taken all necessary steps to address the fraudulent activities affecting my credit history. The fraudulent items in question have been a source of considerable distress and financial hardship. Despite my diligent efforts to follow your established dispute resolution process, I have not seen a satisfactory resolution to this matter. However, the prolonged existence of these fraudulent items on my credit report is adversely impacting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. In accordance with the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and fair credit reporting. I urge you to conduct a comprehensive review of my case, expedite the investigation process, and take immediate action to remove the fraudulent items from my credit report. I kindly request regular updates on the progress of the investigation and prompt resolution of this matter. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2024-06-06 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: CA

Complaint narrative:
This complaint is against XXXX XXXX XXXX Account # XXXX. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA, FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. XXXX XXXX XXXX Account # XXXX I have never done business with XXXXXXXX XXXX XXXX Account # XXXX delete this from my consumer reports. I am also questioning the account balance lIsted own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of XXXX XXXX XXXX Account # XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. past due ''? have never opened an account with XXXXXXXX XXXX XXXX Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX XXXX XXXX  Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE 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 2024-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to file a formal complaint against Capital One Auto Finance regarding a fraudulent account that was opened in my name as a result of identity theft. Despite my repeated efforts to dispute this account and provide necessary documentation, Capital One Auto Finance has refused to remove the account from my credit report.

I have been dealing with identity theft since 2015 and have filed multiple police reports and FTC reports, which I have provided to Capital One Auto Finance. I discovered that an account had been fraudulently opened in my name with Capital One Auto Finance. I took the following actions : filed a police report with the XXXX XXXX police department, documenting the identity theft ; reported the fraud to Capital One Auto Finance, providing them with copies of the police report, FTC report, and a completed Identity Theft Affidavit ; and disputed the account with the credit bureaus ( XXXX, XXXX, and XXXX ), supplying the same documentation. Despite these actions, Capital One Auto Finance has refused to remove the fraudulent account from my credit report, which has caused me significant hardship.

Capital One Auto Finance 's refusal to remove the fraudulent account violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1681c-2 of the FCRA, victims of identity theft have the right to have fraudulent information resulting from identity theft blocked from their credit reports. Capital One Auto Finance 's refusal to remove the fraudulent account constitutes a violation of this provision. Additionally, if Capital One Auto Finance is acting as a debt collector in this matter, their actions may also violate the FDCPA, which prohibits debt collectors from engaging in unfair, deceptive, or abusive practices, including attempting to collect a debt that is not owed.

I respectfully request the Consumer Financial Protection Bureau to investigate my complaint against Capital One Auto Finance, require Capital One Auto Finance to remove the fraudulent account from my credit report, and ensure that Capital One Auto Finance complies with all relevant consumer protection laws in resolving this matter. Enclosed are copies of the police report, FTC report, Identity Theft Affidavit, and other supporting documentation that I have previously provided to Capital One Auto Finance.

Thank you for your prompt attention to this serious matter. I am hopeful that the CFPB 's intervention will lead to a swift and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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