vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: AR

Complaint narrative:
I am submitting this CFPB complait to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts that was late on my credit file. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This account should be corrected right away : XXXX XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-21 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: EQUIFAX, INC.
State: AK

Complaint narrative:
Based on my Reports : Equifax is showing incorrect and old balances that have been now reduced and zeroed. Based on my information on my credit report. Dates shown as of XX/XX/23 all my credit card balances for the following credit cards : XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX BALANCES ARE REDUCED AND SHOULD REFLECT what the other bureaus are reflecting to consumer rights. It is affecting my credit usage heavily which is much lower than what Equifax is showing. 
Please correct the information and balances to be correct and current. 


Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-08-21 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: CT

Complaint narrative:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act these creditors has violated my rights! Under Act 15 U.S.C 1681 section 602 says I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act these creditors has violated my rights! Under Act 15 U.S.C 1681 section 602 says I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
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 2023-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
A loan company called Santanda I had in XXXX. The car was totaled in an auto accident and I claim was paid by my insurance company I had at the time. They are reporting that I owe them over {$4000.00} more and report this to the credit bureau that I am still late on payment for all these years. Obviously, its ruining my credit. This is a violation of 15 US Code 1681 ( 5 ), removal of inaccurate invalidated credit information. Please remove this information immediately. Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX 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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2022 not accurately being reported, account has been dismiss by the circuit court.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Someone I know stole my card to my " current '' bank account and they've refused to refund me my money and investigate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XXXX XXXX XXXX  XXXX attempted to charge me almost be double for the XXXX XXXX XXXX I received. I only used {$600.00} on the card, but they ballooned the charges to {$1500.00} in XX/XX/XXXX, so instead of paying, I called to ask where did the other charges come from. In XX/XX/XXXX, I started back paying, but by XX/XX/XXXX, I noticed they did not take the other unauthorized charges off, so I stopped paying and ask them to settle this in court. 

Since XXXX they have reported this to XXXX XXXX, XXXX, Experian as a charge off. 
However when I tried to pay the actual amount owed on several different occasions by calling XXXX XXXX XXXX, they refused and stated the account was in collection. 
I called the collection agency, they said they sent it back to XXXX XXXX XXXX. 
XXXX XXXX XXXX stated there was nothing they can do, not even accept my payments of the actual amount owed instead of the bogus inflated charges XXXX XXXX, XXXX, and Experian have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

Under 15 USC 1681 section 602 States that I have the right to privacy.

Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please Remove these addresses that do not belong to me my only address is XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXX Experian XXXX Account # : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 any consumer reporting agency if the ( A ) ( 1 ) 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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XX/XX/XXXX & XXXX XXXX, my credit card with Golden 1 CU was charged for various transactions while the card was in my possession. I was receiving text messages to confirm purchases and it immediately raised red flags knowing I did not make the purchases. I called the bank and had them close the card and dispute the charges. Upon them researching they came to the conclusion that the charges are indeed mine because the chip was used however I did not make these purchases. They added the charges back to my card, charged me interest, charged me late fees, and never informed me of this decision that they made. They never communicated with me until I reached out, my account was completely blocked and I didnt know until I attempted to log in online to make my payment. I submitted a request for this to be escalated to a higher up as these charges are not mine and I am not going to pay for fraudulent charges, interest on these charges and late fees. 
XX/XX/XXXX {$170.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian offered me credit cards that were a high match percentage for me. If you look at my history youll see I hardly have XXXX hard credit check I believe it was in XXXX of 2023. Other than that since I signed on around XXXX of 2023 there might be XXXX in XXXX and XXXX for XXXX of this year and those are my only hard credit checks I have. 
So Experian tells me they found a travel card that XXXX a XXXX XXXX match for and I decided to go against my better judgement and thought with all its positive reviews let me go ahead and get this card. 
How was I declined based on XXXX XXXX XXXX  match for me, personally with this credit card? 
Now my credit score is going to take a hit and Ive been working so hard at it to bring it up that the XXXX time I do this I only did it because I had a XXXX XXXX match to it.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX my capital one payment was made on time.I received a late notice and this is not correct. I spoke with them over the phone and they told me they can not correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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