vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: FL

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. 

XXXX XXXX XXXX  date XXXX, XXXX account number XXXX has violated my rights this account was not authorized by me I never got a auto loan with this company. 

XXXX  XXXX account number XXXX XXXX late payments reported on my credit report XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: FL

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. 

XXXX XXXX XXXX  date XXXX, XXXX account number XXXX has violated my rights this account was not authorized by me I never got a auto loan with this company. 

XXXX  XXXX account number XXXX XXXX late payments reported on my credit report XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information, as it pertains to the accurate reporting of my financial obligations. Please provide me with the requested documents within 15 days, per Section 609 of the FCRA. Should you fail to produce the Original Instrument of Indebtedness and Promissory Note, REMOVE this account from my credit report. 

Failure to comply with this request may be considered a violation of the FCRA and could subject you to legal liability. I trust that you will handle this request with the utmost professionalism and promptness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've always made sure payments on this account are made on time, avoiding any overdue amounts. I'm not sure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be 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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Date : XXXX XXXX XXXX below : A condition exists that prevents XXXX from being able to accept your request at this time. 
To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-17 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: IL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-17 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: MO

Complaint narrative:
I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX 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  Balance Owed : {$2600.00}.

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 explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was waiting to receive my Best Buy credit card ( through Citibank ) in the mail and my mailbox was broken into while it was in there. I didnt know when it was supposed to arrive. I received a text message from my landlord telling me that my box had been broken into, not knowing that the card was in there yet. The thief immediately, the same day, went to a Best Buy store and purchased items. A receipt was sent to my email, which is how I found out in the first place. I called Citibank and disputed this and reported my card stolen. This purchase was for {$1000.00} on XX/XX/2024. The representative on the phone told me that they attempted to make another purchase as well but it was declined due to being over my limit, because the thief obviously didnt know my limit. After a few months of the fraud department investigating this, they sent me a letter stating that they determined it wasnt fraudulent. When Ive inquired about how they could be determining that, they never give me a real answer. Just that they have ways of determining these things. I called again to dispute it again and received a letter electronically that I cant even open but the title says its been resolved. Considering I dont have my money back, its safe to assume they resolved it again, not in my favor. Which was only days after I opened the second dispute. I reported my card stolen as soon as I found out. I did not make that purchase. The thief was very obviously not asked for ID in store, which is strange considering that is a very large purchase, and a new credit card, and not signed. The store also didnt seem to find it strange that the thief then changed the phone number on my account to what I can assume was theirs. It notifies me of this as well, which could have been problematic in the further because identity and purchase verification codes have been sent through text message. I believe this has been mishandled greatly and would appreciate a resolutions. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
all these hard inquiries I dont recognize AND REPORTED : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, I have enclosed to Equifax that these loans was unauthorized by me from XXXX XXXX opened on XX/XX/year> and XX/XX/year> in the amount of XXXX and XXXX. I enclosed a copy of my identity theft report supporting this, yet they have yet to help in the situation. Also there were inquires that was unauthorized supported by my identity theft packet, XXXX  date XX/XX/year>, XXXX  date XX/XX/year>, XXXX XXXX  date XX/XX/year> and XXXX XXXX XXXX date XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. XXXX does not allow me to file online and they are only open till XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: IL

Complaint narrative:
I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. Experian does not allow me to file online and they are only open till 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 2024-05-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below IMMEDIATELY! 
NAMES XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX UCC 1-308

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NJ

Complaint narrative:
I am formally contesting and urging the immediate removal of the fraudulent accounts from my credit report. This dispute stems from a clear case of identity theft, for which I have lodged a formal complaint with the Federal Trade Commission. Additionally, I have contacted the banks linked to the fraudulent accounts. 
The banks have acknowledged the legitimacy of the identity theft report and have acknowledged a potential system error that has obstructed access to the records. They have assured me that the fraudulent accounts, which has erroneously appeared on my report for over five years, will be promptly eradicated. 

However, despite assurances, these fraudulent accounts are still persists in my report under your bureau. I am concerned about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting these fraudulent accounts following the submission of necessary documents. What steps are you taking to address this issue? 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-05-17 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am a XXXX XXXX  and signed up over the phone with a podcast company to record shows with them to promote my XXXX XXXX  ( {$500.00} ). It's called XXXX XXXX XXXX XXXX ( XXXX ). When I checked XXXX ( which I admit I screwed up by not doing it ahead of time ), I found that XXXX was not a reputable company to do business with, as they basically just took people 's money, maybe gave them a podcast or 2 ( but no one listens to the podcasts ) and then just ghost them without fulfilling the services promised. 

I didn't want to go through that hassle, so within minutes I called the company and asked to cancel my services and receive a refund but the lady gave me the run around. I filed a dispute with my credit card company ( Capital One ). I had never signed any documents nor received a cancellation policy from XXXX, and there was not one on their website. 

XXXX sent Capital One a document with a fake docusign, fake " logos '' for my business that they had " designed '' for me, and screenshots of fake podcast episodes they had recorded for me. 

I sent back proof to Capital One that these documents were forged. 

Capital One didn't seem to care. They just said they were missing the documentation needed for me to win my dispute. However, they were consistently unclear over the phone, and in their dispute response letters ( which were stock and generic ), what exactly that additional info was. By the time I finally spoke with someone ( a supervisor ) who told me what I needed ( proof of termination of services but no refund ), it was too late. The window for me to respond to the dispute was closed. I sent them what they needed but they refused to consider it. Keep in mind this was less than a week since the date I was supposed to respond by, and I had actually responded THREE times within that time frame trying to give them what they needed, but it wasn't enough all 3 times.

I clearly showed Capital One that this company was scamming me, but they failed to protect me over a technicality. 

I know that many other small business have been, and continued to be scammed by XXXX. Please hold someone responsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: NM

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: CA

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX 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