vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-28 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 


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 2023-12-28 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: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-27 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: FL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-12-27 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: IN

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: OH

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 2023-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
These XXXX  cards are declined online I call AMEX customer service and they can not offer XXXX XXXX resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer XXXX XXXX to a physical card. They can not offer me a XXXX. 

They falsely advertise that their gift cards can be used XXXX  that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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: OH

Complaint narrative:
XXXX XXXX a victim of XXXX XXXX please remove this XXXX  inquiry from XXXX  XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

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 confidentially under 15 USC 1681. 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 Original Creditor 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 513**,
has violated my rights.

15 U.S. Code 1681 Section 602 A. states I have right to privacy.

15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I had XXXX XXXX  XXXX  years ago. Police report XXXX XXXXXXXX. ( attached ) I immediately locked XXXX XXXX Somehow they were able to still use my information for this following XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX  Principal : {$11000.00} Interest Due : {$120.00} Total Due : {$11000.00} ORIGINAL CREDITOR : CELEBRATION XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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:
I am disputing misinformation on my credit reports for XXXX, XXXX, and Transunion. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.

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 2023-12-27 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: NC

Complaint narrative:
I am disputing misinformation on my credit reports for XXXX, Equifax, and XXXX. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
XXXX  identity was stolen and There is XXXX inquires on XXXX XXXX that I did not do. last thing I have requested XXXX  for was for XXXX XXXX XXXX I bought a XXXX  car in XXXX, that was all that was on XXXX XXXX and school loans. now there is other XXXX  I did not make. there were so many but they were on there a XXXX  times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXX have reached out to the XXXX  berau to try to dispute them but there is so many. please help I did put a lock on XXXX XXXX  but the person who is stealing my information has acess to everything I have. he broke in my home and got XXXX  XXXX  off my computer and stole XXXX  from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XXXX my credit card bill was due I set a payment amount for {$200.00} in which the money was in my account. After the payment declined I called the company and they told me that my credit card was closed due to payment denial. This is a false statement. I attempted to make a payment and the funds were in my account. I followed up with submitted another payment of {$150.00}. I called customer service to ensure that my account can be reopen due to the money being in my account with no pending transaction waiting. The company said no they will not reopen the account. After doing research I seen that Capital one is being sued by Walmart due to allegedly failing to meet customer service standards. Capital one is not meeting my standards as a customer who attempted to clear there debt and being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It is XXXX  ridiculous to see late payments recorded on XXXX XXXX  when I have consistently made XXXX payments without XXXX  history of being XXXX. I firmly insist that you correct XXXX XXXX  to accurately depict my payment history.

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 2023-12-27 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: IN

Complaint narrative:
PLEASE REMOVE THE INTERNAL LOCK PLEASE I CAN'T ACCESS MY REPORT BECAUSE OF IT, PLEASE I'M BEGGING YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-28 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-27 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: CA

Complaint narrative:
XXXX XXXX XXXX Having informed Reporting Agencies that my request to, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten Verbal, and non Verbal per 15 USC 6802.

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 2023-12-27 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: CA

Complaint narrative:
XXXX XXXX XXXX3 Having informed Reporting Agencies that my request to, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten Verbal, and non Verbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FC HoldCo LLC
State: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX continues to willfully violate the law. Ive made XXXX XXXX aware on multiple occasions of the adverse, inaccurate information their furnishing on my credit file to the consumer reporting agencies. As a Creditor pursuant to 15 USC 1602 ( g ), XXXX XXXX has failed to submit proof of compliance with 15 USC 1666b and as a furnisher under the Fair Credit Reporting Act has failed to provide such compliance as sufficient evidence to support the conclusion that the late payment information, transactions and experiences being furnished on my credit file to the consumer reporting agencies is verified and accurate. XXXX XXXX has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, the evidence XXXX XXXX as made available is insufficient to establish the truth and verification of the disputed information. Under the statutory framework, XXXX XXXX as the furnisher must report that its investigation concluded that the disputed information can not be verified and must delete any mentions of the missed payments while continuing to report other information about the account. XXXX XXXX inability to comply with the law has caused me extreme emotional, physical and financial hardship. As a federally protected consumer, I am now revoking and opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX, written, unwritten, verbal, and nonverbal in the furnishing of my nonpublic personal information, transactions and experiences to ALL consumer reporting agencies immediately & indefinitely per 15 U.S.Code 6802. Pursuant to 16 CFR 313.7 ( f ) & 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time. In accordance with 16 CFR 313.7 ( e ) & ( g ) & 12 CFR 1016.7 ( h ) & ( i ) XXXX XXXX must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

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 2023-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX continues to willfully violate the law. Ive made XXXX XXXX aware on multiple occasions of the adverse, inaccurate information their furnishing on my credit file to the consumer reporting agencies. As a Creditor pursuant to 15 USC 1602 ( g ), XXXX XXXX has failed to submit proof of compliance with 15 USC 1666b and as a furnisher under the Fair Credit Reporting Act has failed to provide such compliance as sufficient evidence to support the conclusion that the late payment information, transactions and experiences being furnished on my credit file to the consumer reporting agencies is verified and accurate. XXXX XXXX has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, the evidence XXXX XXXX as made available is insufficient to establish the truth and verification of the disputed information. Under the statutory framework, XXXX XXXX as the furnisher must report that its investigation concluded that the disputed information can not be verified and must delete any mentions of the missed payments while continuing to report other information about the account. XXXX XXXX inability to comply with the law has caused me extreme emotional, physical and financial hardship. As a federally protected consumer, I am now revoking and opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX, written, unwritten, verbal, and nonverbal in the furnishing of my nonpublic personal information, transactions and experiences to ALL consumer reporting agencies immediately & indefinitely per 15 U.S.Code 6802. Pursuant to 16 CFR 313.7 ( f ) & 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time. In accordance with 16 CFR 313.7 ( e ) & ( g ) & 12 CFR 1016.7 ( h ) & ( i ) XXXX XXXX must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

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