vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had ( 2 ) Capital One credit card accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of Capital One providinng me the opportunity to rectify the account ; it was sold to XXXX XXXX XXXX. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( XXXX ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: GA

Complaint narrative:
I the Consumer has never given Equifax permission or authorization to report false, misleading, inaccurate information 15 U.S.C 1692e on an account I never contracted or signed an agreement with. 15 USC 1679d I have made several attempts sending certified mail requesting Equifax to provide me with written consent of permissible purpose 15 U.S.C section 604 FCRA and to obtain the official contract and or signed agreement of the Furnisher with my signature owing debt to creditors listed with a legal obligation to pay. Due to the fictious, fraudulent, deceptive information Equifax has been reporting created a great amount pain and suffering, denying of credit, Home Mortgage, etc. Equifax has XXXX  days to furnish the requested data or delete this derogatory, negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Upon the information provided from the dispute, Pen Federal Credit Union is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.

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 2023-11-10 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: WI

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In accordance with the fair credit reporting act Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
When attempting to close my account due to avoid credit reporting Affirm stated that using their services does not affect your credit report therefore I continue to use them. Nevertheless, due to an unavoidable crisis, I was late and Affirm reported every account on my credit report which in total XXXX accounts significantly dropped my score to below XXXX. I contacted an agent who stated to me that after I caught up with the payment Affirm would remove it from my credit report. I caught up with my payment and Affirm did not remove them from my credit report. I called again and the agent stated that they do not have control of the accounts as reported it was the credit bureau. Affirm falsely advertised having an account with them does not affect your credit score to prevent people from closing their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-10 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-09 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: CA

Complaint narrative:
I am writing to address the issue of unauthorized hard inquiries that have been reported on my credit profile, which I previously brought to your attention via mail. I submitted a dispute letter outlining my concerns regarding the inaccuracies and fraudulent nature of these hard inquiries. 

-- -- -XXXX -- -- - XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX XX/XX/XXXX ( XXXX ) -- -- -Equifax -- -- - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least XXXX  days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

1.XXXX  Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX 6. XXXX XXXX Account # XXXX 7. XXXX XXXX Account # XXXX 8. XXXX XXXX Account # XXXX 9. XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-11-10 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: GA

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.

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 2023-11-10 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: TN

Complaint narrative:
Western union netspend supposed to release my money bank in my account Monday XXXX I file a dispute with them and when I try to login my account they put a lock or frozen on my account to keep me from accessing they ask me to scan my drivers license I did they told me they couldnt verify that so I talk to the rep on the phone was confused and making up lies about my account so they send me an email to upload my drivers license and other personal information like bank statements SSN AND phone bills and soon they saw the XXXX XXXX XXXX XXXX on my drivers license they immediately started acting different towards me on handling my account and being rude and I told them yall the fraud the company accepted my information and still denied if service for me and closed my account doing the process on fixing my account and started a dispute with them on adding my money back in my account

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 2023-11-10 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting act : Trnaunion misused and disclosed personal information to these companies without authorization. When I contacted XXXX, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called the all these companies they asked me for all my personal information which they did not provide. 
XXXX violated the following. 
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 an account without written instructions. 

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
I just received an email from Chime welcoming me and letting me know that my debit card should be arriving soon in the mail. I have tried to contact them but I have not received any response. At this point I am waiting for the card to arrive so I can call with that information and make use they close it. Less than a month ago this happened to my husband and whole researching online it seems thus is happening quite often with chime. They really should analyze their account opening process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting act : Experian misused and disclosed personal information to these companies without authorization. When I contacted Experian, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called all these companies they asked me for all my personal information which they did not provide.

Experian violated the following articles : 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 an account without written instructions. 

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