vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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:
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-02-27 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: CA

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have several complaints to express, and I want to emphasize that I have been a victim of a crime, yet no one seems to care. Once again, I am urging for the removal of the fraudulent entries from my credit report, which were opened without my authorization. Some items have been removed, but there are still numerous remaining on my credit report. Below, you will find a list of the items that need to be removed : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX 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 explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I am not liable for this debt with Caliber Home loans. I do not have a contract with this company. They did not provide me with the original contract or answer the debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I applied for a personal loan at Southern Finance XXXX XXXX XXXX, XXXX, GA on XX/XX/XXXX with XXXX for {$1700.00} Contract # XXXX. She asked my Name, SS #, address, Phone Number, etc. and what kind of Car I drove. Once the application was completed she asked that I move to another cubicle to view the contract on another computer screen so as to sign it as she scrolled through it rapidly. I asked for a printed copy. She said we could do it on line. I since have found out she listed my Automobile a XXXX XXXX XXXX XXXX XXXX on this loan in the Security Agreement, turning it into an Auto Loan where I applied for a Personal Loan. This Auto is financed at XXXX XXXX XXXX XXXX who holds the title. She has created a XXXX mortgage on my automobile. I met with XXXX XXXX Branch Manager 3 days ago and she would not remove the Auto from the loan, or reissue the citing I could only have XXXX loan with them. She was incredibly difficult to deal with. I called their home office at XXXX speaking with XXXX filing a report on this XXXX mortgage auto loan created by their branch who refused to remove my Auto from the personal loan I applied for. He said I would hear from a Regional Rep in a few days. 
These people would steal your eye balls from your sockets while you talked to them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: TX

Complaint narrative:
Ive received a letter in the mail pertaining to a XXXX  debt in which Im not responsible for .. the debt belongs to the person whos credit card or whatever payment method they used to put on file when they obtained the vehicle the only thing I did was put my drivers license down so they could obtain the vehicle and had I known they werent going to pay I would have never put my name on the line the debt of which they owe does not belong to me please contact them pertaining to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am contacting you to provide a follow-up on several concerns pertaining to accounts currently reflecting late payments. I respectfully request that these late payments be rectified and removed from my records. Below, I have outlined the accounts requiring correction for your review : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-27 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: NC

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I made a payment to Capital One card for {$740.00}. I was traveling out of town and needed to rent a car. The funds were taken from my account on the morning of XX/XX/XXXX. Upon arriving at my destination, I realized that the payment had not posted. I made several calls to Capital One asking to post payment. It took three calls for them to advise me that payment will not post until XX/XX/XXXX. I was left stranded in a city with no way to rent a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
Good Morning, Im requesting your assistance in obtaining relief through the Military Lending Act ( MLA ). American Express refuses to refund me for a {$550.00} annual that I paid, stating that I am not entitled to MLA relief. Enclosures ( XXXX ) to ( XXXX ) are furnished in order to support my request. 

I applied for the American Express XXXX XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and received an e-mail confirmation ( encl. ( XXXX ) ) that my application was approved. In XX/XX/XXXX, I received a monthly statement for the subject credit card ( encl. ( XXXX ) ), which included a {$550.00} annual fee. Per American Expresss MLA page ( https : //www.americanexpress.com/us/help-support/service-members-civil-relief/ ), A regular or reserve member of the Army, Navy, Marine Corps , Air Force , or Coast Guard , serving on active duty under a call or order that does not specify a period of 30 days or less, or such a member serving on Active Guard and Reserve duty as that term is defined in 10 U.S.C. 101 ( d ) ( 6 ).

Per encl. ( 3 ), I was on Active Duty for Operational Support Orders for over 30 days, from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. Additionally, I was executing this set of orders when I opened the account. At any rate, I paid the annual fee so as not to incur additional charges while communicating with American Express that I was on active duty orders. 

Since XXXX ( a few months after opening the account ), Ive been trying to explain to the card company that Im eligible for MLA relief, even providing them encl. ( XXXX ) and ( XXXX ), to validate that I was on active duty when I applied for the credit card. Nevertheless, American Express keeps rejecting my request, even though they keep thanking me for my service whenever I contact their Customer Service Department. 

In order to ensure that the error is not in my record, I contacted the Defense Enrollment Eligibility Reporting System ( DEERS ) Support Office ( XXXX ), and they confirmed that I was on orders from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, as reflected in encl. ( XXXX ). 

Please let me know if you have any questions or need additional info to resolve this matter. I look forward to your help in getting this error fixed, and my right as a servicemember restored. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here. 

I want my customer statement removed as its incorrect and I never provided a customer statement - Equifax XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  I want removed my name should only be on my report 1 time- XXXX I want XX/XX/XXXX and remove XXXX XXXX I want XX/XX/XXXX removed from my report- XXXX  I want XXXX XXXX XXXX XXXXXXXX TX XXXX removed its non mailable- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here. 

I want my customer statement removed as its incorrect and I never provided a customer statement - XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX I want removed my name should only be on my report 1 time- XXXX I want XX/XX/XXXX and remove XXXX Experian I want XX/XX/XXXX removed from my report- Experian I want XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX removed its non mailable- Experian

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 2024-02-27 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: 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.

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 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 non-monetary relief