vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone used my social security number to open a lease in " XXXX XXXX XXXX  '' located in XXXX XXXX, TX on XX/XX/2022. This is affecting my Equifax score under XXXX. The even bigger problem is that I have filed a dispute with Equifax 4 times and those 4 times they have been unable to remove this from my account. I have submitted evidence that I did not live in XXXX XXXX, Tx at the time the lease was opened and they still haven't been able to identify the suspect using my social. I have also filed an FTC report. You can imagine how I feel having someone else 's bad record affect MY credit report. This is an identity theft situation and I need help clearing this from my credit and also holding Equifax responsible for not being able to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? Transunion XXXX and XXXX continue to respond with verified I have already submitted the letter from XXXX XXXX  where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters transunion, XXXX and XXXX have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!

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 2023-05-16 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: MECHANICS BANK
State: AZ

Complaint narrative:
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. 

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 2023-05-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with 1 consumer reporting agency on XXXX XXXX ( Equifax ) .The consumer reporting agency validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB Equifax still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from XXXX  XXXX.I called the CFPB and asked how could this debt be validated.Then the representative told me that companies don't have to show any proof and just send it back validated with no proof of an investigation. 1592 U.S.C 1692e Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a company must respond in 30 days of a challenge.It is well past the 30 day mark, and even though they don't have to respond to the consumer reporting agency they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deleted.XXXX XXXX acct XXXX XXXX on Equifax consumer reporting agency.I have copies of everything below.I even asked the representative to send me a copy of all transactions they said it would be XXXX XXXX per page charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is calling my phone early morning, noon, and night. This is old back XX/XX/08 I wish this to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for Transunion from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: GA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Kovo
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written Instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying for years to remove account number XXXX XXXX  XXXX off of my credit. I reached out to the company the refuse to remove the late payments on the account. I then ask for the company to send me my payment transactions. According to Credit acceptance file my first late transaction was XX/XX/XXXX which mean this should have been removed for my consumer report as of XXXX, but according to XXXX XXXX, XXXX, and Equifax my first late payment was in XXXX. I have reached out to all three Credit reporting agencies about this account and they all have been responding that the account is accurate and verified. I even request for each credit agency that stated these items were accurate to send me proof of their investigation for my dispute. According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have never received anything and I guarantee that they have not reached out to my neighbors, friends, family, or associates. This is why either of the three credit reporting agencies send me the documentation that I requested. Due to Credit acceptance not reporting accurately and XXXX XXXX, XXXX, and Equifax not doing a proper investigation according to the FCRA, I believe XXXX XXXX and all three credit reporting agencies ( XXXX XXXX, XXXX, and Equifax ) deliberately tried harm me. Because of this I have been denied credit, charged high interest rates, and also suffered for a low credit score for 2 years longer than I should. I am a consumer and I have rights and these companies has violated most of them if not all. This is discrimination, defamation of my character, and I am sure much more once I reach out to a lawyer. I dont believe the consumer reporting agencies have my best interest and now they have proven that their companies are not trustworthy and have not been investigating disputes properly according to FCRA XXXX If this happened to me I can only imagine how many other consumers are affected by this. I am requesting that all late payments, collections, and hard inquiries to be removed immediately. I am attaching documents to prove my statement is accurate and intact is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On Friday XX/XX/XXXX I received an email from Trans Union reporting a credit card request had been submitted & denied by XXXX XXXX XXXX due to my credit bureaus being purposely frozen. 
I did not apply for this credit card, and when I reported the fraud to BoA they let me know several more applications had come in. 
This happened previously in XXXX with XXXX & XXXX, with a card I did not apply for actually get sent to my house. I froze all 3 credit reporting bureau accounts & added a fraud alert, as well as requested a report from XXXX. 
The XXXX report had dozens of accounts with my information listed that had not been authorized by me, and I have not received a final updated report but have been able to dispute most. It is locked with a PIN. 
I was advised to report this to the FTC, and from there was redirected to this site.

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 2023-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



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 explanation
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
Today, XX/XX/2023 I received a letter through mail about my initial identity theft dispute which was mailed out to me on XX/XX/2023. I called Equifax to speak about the letter and a representative told me the same thing that the representative from XX/XX/2023 told me about properly filling out the identity theft report. He stated that I need to resubmit the information so that it could be processed properly. I am resubmitting all required information pursuant to FCRA 605B as well as Equifax 's request. Below I have attached the FTC report ( report number : XXXX ), I.D., social security card, identity theft cover letter, and a utility bill. Accounts disputed : 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 explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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

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 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
{$1300.00} was sold to this company. I wasn't aware I owe this debt. There is a SS # on this credit report I have a common name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: OR

Complaint narrative:
I have asked XXXX transunion and XXXX to have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: OR

Complaint narrative:
I have asked XXXX XXXX and experian to have XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted 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 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This was sent to a collection agency calling my phone harassing me morning, XXXX and night. This is destroying my credit file. I have a common name and there is a social reported on my credit file that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was on XXXX and I saw a friend was selling lots of stuff. I was interested in a few things. His name was XXXX XXXX and I grew up with. All seemed legit. Said if I paid him something as a deposit he would remove the picture in the post. I sent him XXXX via Zelle. This was Sunday XX/XX/XXXX. I didnt discover until the following day that it was a scam. I contacted Zelle and my banking institution and I can not get the money back. I am a young widow with a young daughter and I am making XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX XXXX I Went to purchase a XXXX. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.

Company response to consumer: Closed with explanation