vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: MO

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 XXXX account number : XXXX account name : XXXX  XXXX  XXXX  account number : XXXX account number XXXX XXXX XXXX XXXX account XXXX account name : XXXXXXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  XXXX  account number : XXXX account name : XXXXXXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXXXXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name XXXX XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX  account number : XXXX account name XXXX XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX acoount name : XXXX XXXX XXXX account number : XXXX has violated my rights .

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
SO THE DATE OF XXXX  I APPLIED FOR A LOAN FOR MY CAR PURCHASE. AND FOR EVERY USUAL CAR PURCHASE COUPLE OF FINANCE COMPANY RUN MY CREDIT AROUND THE DATE OF XXXX  BUT I  ALSO SAW THIS INQUIRY ON MY CREDIT HISTORY FROM CAPITAL ONE BANK AROUND THE DATE OXXXX XXXX  BUT I GIVEN THE THOUGHT THAT SOMETIMES THIS CREDIT RUNS SHOWS UP A LITTE LATE LIKE A WEEK RIGHT. I WAS NOT SUSPICIOUS ABOUT ANY FRADULENT ACTIVITY BY THEN. AND THEN, IT  ALMOST  PASSED 2 YEARS BY OVER THAT. ON HE DATES OF XXXX, I GOT ANOTHER HARD INQUIRY RELATED FROM A CREDIT CARD APPLICATION FROM CAPITAL ONE BANK. BUT BY THAT TIME I WAS IN XXXX AND I WAS NOT ABLE TO CALL XXXX NOR CAPITAL ONE BANK ASAP BECAUSE I DID NOT WANTED TO PAY EVEN MORE MONEY FOR OUT OF COUNTRY ROAMING TO MY CARRIER. THEN AS SOON AS I CAME BACK TO U.S. I CALLED THE CAPITAL ONE BANK AND TALK TO THEM ON THE PHONE AND I EVEN WENT TO A BRANCH FOR EXPLAINING ABOUT THE SITUATION. UPON MY REQUEST THEY CONFIRMED ME THAT THERE WAS NO ANY ACOUNT, CREDIT CARD NOR ANY LOAN APPROVED BY THE BANK UNDER MY NAME. I WAS RELIEF TO HEAR THAT FROM CAPITAL ONE BANK. BUT  THEN AGAIN THE DATE OF XXXX WHOMEVER THIS PERSON HAS ACCES TO MY CREDENTIALS TRIED TO APPLY CREDIT CARD AGAIN FROM CAPITAL ONE, ONE MORE TIME AND GET DENIED AGAIN. BECAUSE I HAVE HAD ALREADY CREDIT FREEZE PLACED ON  MY XXXX XXXX XXXX. I HAVE THE PERSON'S ADRESS, PHONE NUMBER, AND EMAIL ADRESS THAT HAS BEEN USED FOR THIS FRADULENT ACT IN MY HAND AND I WOULD LIKE TO SHARE WITH YOU IN CASE IF THIS PERSON TRIES AGAIN SUCH ACT.


PHONE NUMBER USED FOR CREDIT CARD APPLICATION: XXXX

ADRESSES USED FOR CREDIT CARD APPLICATION: 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
On XX/XX/year> a debt collector Eastern Account Systems opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-08-07 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: INTERCONTINENTAL EXCHANGE, INC.
State: TN

Complaint narrative:
I was denied a grant assistance to save my house from foreclosure and recently found out it is due to incorrect information reported by the Mortgage Electronic Registration Systems, INC ( MERS ) This company is reporting that XXXX XXXX is the homeowner and this is NOT correct nor has this individual had any financial connections to my home. This individual was never on the mortgage contract, not on the Deed and has never been listed as an owner of this property. In addition, this individual is committing fraud and should be prosecuted for this illegal transaction. I have called the Title Company and have a clear copied where this person was not and still not on the deed. This is a violent individual and my personal information, financial situation and information is being sent to them due to this incorrect data being sent my MERS. If the individual says we are married that also is a lie as we been divorced over 13 years due to XXXX XXXX with no children and no assets together. 
Please correct this information reported by MERS and have no more of my personal information address nor sent to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unrecognizable/Unathourised inquires and account on my consumer report as identified in my Identity Theft Report number XXXX filed with the Federal agency Federal Trade Commission ( FTC ) on XXXX XXXX XXXXXXXX attached to this complaint. 
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 2024-08-07 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: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I was denied a grant assistance to save my house from foreclosure and recently found out it is due to incorrect information reported by the Mortgage Electronic Registration Systems, INC ( MERS ) This company is reporting that XXXX XXXX is the homeowner and this is NOT correct nor has this individual had any financial connections to my home. This individual was never on the mortgage contract, not on the Deed and has never been listed as an owner of this property. In addition, this individual is committing fraud and should be prosecuted for this illegal transaction. I have called the Title Company and have a clear copied where this person was not and still not on the deed. This is a violent individual and my personal information, financial situation and information is being sent to them due to this incorrect data being sent my MERS. If the individual says we are married that also is a lie as we been divorced over 13 years due to XXXX XXXX with no children and no assets together. 
Please correct this information reported by MERS and have no more of my personal information address nor sent to this person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-07 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 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 the charge. 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 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 2024-08-07 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: PA

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 the charge. 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 non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: MN

Complaint narrative:
Im constantly being harassed by F.H. Cann & Associates , IncXXXX, debt collection representatives for a debt I dont owe and is the result of identity theft. XXXX XXXX XXXX checking account with account number : XXXX with a balance owed of XXXX XXXX XXXX XXXX XXXX checking account with account number : XXXX with a balanced owed of {$120.00} is fraudulent checking accounts, not my checking accounts and is the result of identity theft. I never opened a checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-07 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: TX

Complaint narrative:
I recently submitted two complaints to this company ( # XXXX ) and ( XXXX ) along with verification of identity theft reports and identity to verify myself. I requested that the company remove all fraudulent accounts, personal info and inquiries from my report. I recently checked my credit and this company has not removed all these items and has also added back old fraudulent accounts that have already been deemed fraud and removed by the creditors. They have added fraudulent addresses and names that I have no knowledge of and some that were included in the last dispute. They have also blocked me from dispute any accounts going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts are reporting derogatory payments to the credit bureaus and this is a violation. I am requiring you to remove the derogatory payments asap. 15 us c 1666b 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts are reporting derogatory payments to the credit bureaus and this is a violation. I am requiring you to remove the derogatory payments asap. 15 us c 1666b XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts are reporting derogatory payments to the credit bureaus and this is a violation. I am requiring you to remove the derogatory payments asap. 15 us c 1666b 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 2024-08-07 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: NY

Complaint narrative:
I also stated that I have previous credit reports from the XXXX XXXX XXXX that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
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 2024-08-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-07 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief