vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXXXXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Card, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Experian, XXXX and 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Experian, XXXX, and XXXX are reporting personal information on my correct report. 
Here is a list of the incorrect addresses, please remove them : Addresses : 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 Names : XXXX XXXX The only address that should be listed is shown on this complaint. I also would like for you to correct the spelling of my name. There should not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. Again, here is a list of the incorrect name spellings : [ XXXX XXXX ] Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. Thank you!

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX and i am submitting this complaint without any influence from any third part or agency. Please see the attached document as it contains my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX and i am submitting this complaint without any influence from any third part or agency. Please see the attached document as it contains my full complaint and request.

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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I been A victim for identity theft since I was living in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX  & I had a police report, also after I moved to XXXX XXXX XXXX XXXX I had another police report for identity theft, that someone using my social to open a XXXX credit card in additional the one I open it on my own responsibility back on XXXX, than I decide to close this card with the capital one because I can't trust them any more also I paid the balance in full amount ..., So why now I still see it on my credit report. I am the victim here ..... I am trying to improve my credit score, every account I have I am always on time never being late for my car loan & even I paid off the balance {$24.00} before the due loan time .... Even XXXX still see negative side under my social with a different names which is I never have those names before XXXX XXXX XXXX XXXX XXXX ( exact ) XXXX XXXX XXXX ( exact ) Any others names it's absolutely wrong not used by me..... I really need to update my personal information to have a fair reputation I need help as far I am a victim of identity theft To clear up my record & this negative report from capital one should be removed from my credit report ..., Specially capital one still send me offer to be a client with them again ) So why if a client being bad with them! Why do you still need me to apply with you again?? 
It doesn't make any sense to nobody. 
Thanks for your support to help me update my record specially I am the victim here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian XXXX times on XXXX to resolve some issues I had with my credit report. I asked the first rep XXXX " what is the procedure for furnishing information without the consumers permission ''. She stated " Experian don't need permission they can do it anyways ''. After explaining to her Pursuant 15 Us C 1681 in order to do so. Experian woud need expressed permission or written instructions to do so. After her showing me she was uninterested in resolving my concern. I asked to speak with a supervisor. XXXX couldn't help and refused to give her ID #. So she transferred me again to XXXX XXXX XXXX ) who then transferred me to XXXX in the fraud department. XXXX told me " She trained in the FCRA and Experian has contract with the creditors and is not required to validate or investigate accuracy because they assume the creditor is being honest ''. I told her " that was not fair and the law states their company must take the proper measures to assure my report contains accuare information ''. She said " its not experian job to mediate nor is documentation required to grant permission. She then proceeded to dispute the XXXX accounts that i had concerns about.

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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I called american express to cancel one of my cards. To my knowledge all I had opened under american express was a XXXX XXXX XXXX card and XXXX XXXX  card. The representative asked me on the telephone, " Which of the four accounts would you like to close? '' I said what all I know about is the two accounts. He said you have a buisness account under XXXX under XXXX XXXX & XXXX XXXX, you have a hilton honors card under XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX card. I told american express that that is my Dad opening up accounts in my name. The representative states that both the Hilton honors and buisness card were opened in XX/XX/2022 and XX/XX/2022 and that there was a balance of {$5000.00} on the business account and {$3000.00} to the hilton honors account. I told american express to cancel my account and they transferred to fraudulent department and an investigation was started. They said id receive something in the mail in 2-4 weeks. I then pulled my credit report from XXXX and saw a XXXX XXXX  XXXX card opened in XX/XX/2022 which I did not open. I called XXXX XXXX  XXXX and asked what account was opened and they said there is an account open in your name XXXX XXXX but the number, email and address were all my dads information. I was transferred to fraudulent department and they closed the account. The total amount for XXXX  XXXX XXXX was {$3800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX and i am submitting this complaint without any influence from any third part or agency. Please see the attached document as it contains my full complaint and request.

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 2022-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
When covid started back in 2020. My husband and I struggled to get back on our feet after my husband got laid off for almost a whole year. I XXXX XXXX XXXX  also lost a lot of income because families weren't working, and they were keeping their children home and having to be closed a lot of the time due to covid symptoms and having covid in daycare. We tried to work with our mortgage company, and they denied us with help with getting our mortgage up to date. We started getting back to more normal and my husband had to find a new job due to being laid off for so long. We are finally back on our feet but are late on our mortgage payments. We have asked the mortgage company if I could pay $ XXXX {$10000.00} and they told me I couldn't it had to be the full amount what's due. Through this whole time, they wouldn't let me pay anything unless it was the full amount. Which I think isn't right and was told that's illegal from my counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank ( XXXX  decider ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY 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 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX Bank declined issuing me a credit card because EXPERIAN Credit reporting agency erroneously reported my death ( XXXX Bank says 'Experian says, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to Experian, XXXX, TX, on XX/XX/2022 ; I also reported the error to XXXX Bank, XXXX, FL. on XX/XX/2022. 

XXXX Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach Experian by phone ( Experian has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but XXXX Bank refuses to use any information other than the credit information provided by Experian. 

Experian reported my death OR the credit reviewing officer at XXXX Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a XXXX Bank credit analyst ). XXXX Bank sez XXXX can do nothing unless Experian corrects the erronous information ; XXXX Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did Experian think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a XXXX product. 

Please help, and if appropriate - issues santion/citation against XXXX and XXXX Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY 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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I received a Credit Score change notification via XXXX XXXX. A hard credit inquiry from Ally Bank affected my credit score on XX/XX/22. Then on the same day, I received an Ally Bank Alert email notifying me that my New Ally account is now open. I contacted Ally and informed them that I DID NOT open an account with them nor wish to have XXXX. They took a report, and I subsequently received an email from the Ally fraud department advising me to call them. I called and provided the requested information, and they advised me that this account would be closed without further information. I was directed to call XXXX, the Social Security XXXX, and the FTC, to log reports. There has been no explanation of how this occurred, Just a simple, " We will close the 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 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to cancel one of my cards. To my knowledge all I had opened under XXXX XXXX was a XXXX XXXX XXXX card and XXXX XXXX card. The representative asked me on the telephone, " Which of the four accounts would you like to close? '' I said what all I know about is the two accounts. He said you have a buisness account under XXXX under XXXX XXXX & XXXX XXXX, you have a XXXX XXXX card under XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX card. I told XXXX XXXX that that is my Dad opening up accounts in my name. The representative states that both the XXXX XXXX and buisness card were opened in XX/XX/2022 and XX/XX/2022 and that there was a balance of {$5000.00} on the business account and {$3000.00} to the XXXX XXXX account. I told XXXX XXXX to cancel my account and they transferred to fraudulent department and an investigation was started. They said id receive something in the mail in 2-4 weeks. I then pulled my credit report from XXXX and saw a Bank of America card opened in XX/XX/2022 which I did not open. I called bank of america and asked what account was opened and they said there is an account open in your name XXXX XXXX but the number, email and address were all my dads information. I was transferred to fraudulent department and they closed the account. The total amount for bank of america was {$3800.00}.

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 non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022

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