vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: MI

Complaint narrative:
Im disputing these accounts from my Experian credit report by the name of XXXX XXXX  and XXXX XXXX on my credit report, as reported by Experian. These accounts are in violation including Experian of 15 USC 1681i section 5, as Experian has allowed these unidentified accounts willing to be reported on my credit without verifiable documentation or any written, signed contract agreement demonstrating my ownership of debt to these accounts. Which will be considered fraud to me not knowing how these account obtain my personal information without my consent. This failure from Experian to verify ownership is a direct violation of 15 USC 1681B ( a ) ( 2 ). 

Experian 's actions have damaged my credit credibility, making it difficult to obtain credit with certain lenders. I have documented proof through the Consumer Financial Protection Bureau ( CFPB ) that I have previously requested information regarding these accounts and have lodged numerous complaints in writing, via certified mail, directly to Experian. Despite these efforts, Experian has neglected my consumer rights by allowing these accounts to remain on my credit report. 

I demand the immediate removal of these accounts from my credit report. If Experian continues to neglect this matter, I will have no choice but to seek legal counsel to address this issue. 



Remember to include any supporting documentation and send the letter via certified mail to ensure it's received and documented.

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 2024-01-26 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: FL

Complaint narrative:
I am formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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 formally disputing these unauthorized inquiries in accordance with the Fair Credit Reporting Act. I kindly request a thorough investigation into my claim. Due to the negative impact on my ability to apply for loans and obtain credit, I request the immediate elimination of these unauthorized inquiries from my credit report. If there are any additional materials related to these inquiries, I request that you provide them as part of your investigation. 
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 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 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I had taken a personal load to consolidate my credit card payments. I had entered that agreement when I was employed. During the covid 19 pandemic, I lost my job and was struggling to make my payments. I had informed the company that I was having a hard time paying my payments, and was looking for a job. At the time, many companies were getting relief as were borrowers. I had asked for assistance, and the customer service representative told me that I would have to be 90 days late in my payments to meet that criteria. So I followed her advice, which then increased my APR to 30 %, on top of additional fees incurred for EVERY DAY I was late in paying them. This is in my opinion, predatory lending practices. 

Then I was told that the representative who had provided me with that advice, was accutally not correct and that I was provided erroneous information. My credit score was significantly impacted and it remains on my credit report as a delinquent charge, even though I paid them in full and even though they lied to me. The last person I had spoken to with at Marcus, was incredibly rude and condescending to me. I will NEVER do business with them again. They deserve to be investigated and held accountable for lying and preying on people. I literally paid them off the moment I got a job and am grateful that I was able to, even though they literally were charging me additional fees and a very high interest rate. They should refund me those fees as well as apologize. They also have wiped out all the documentation on their website, the correspondence and anything I had on it. I will try and attach a photo to this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One closed 2 of my credit cards without cause. I sent Capital One a negotiable instrument for presentation to the Treasury. Not only they didnt accept my instructions and instrument, they closed both of my accounts. Per their credit card agreement, they may accept this is a form of payment without losing any of their rights. They have violated their SEC prospectus and their credit card agreement. From what I hear, Im not the only one they have done this too. This matter needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the account on my credit report attributed to XXXXXXXX XXXX This account is invalid as I have no ownership or written agreement with this company. XXXXXXXX XXXX has failed to provide any documented evidence associating me with this debt, nor have they presented my written signature on any documents confirming my ownership of this account. This lack of verification is in direct violation of 15 USC 1681b ( A ) ( 2 ). 

Furthermore, Equifax has caused damage to my credit report by allowing a verified account to be reported without sufficient evidence of its accuracy. This action is a clear violation of 15 USC 1681i ( 5 ). I demand the immediate removal of this account from my consumer report, as I have not provided written consent to Equifax to include this unknown account in my credit report, nor do I have any acknowledgment of this account, which is indicative of fraudulent activity. 

Given Equifax 's history of data breaches and the potential fraudulent obtainment of personal information, I insist on the urgent removal of this account from my credit report. To protect myself I apply fraud alerts to assist this matter moving forward

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX loans PAID IN FULL DUE TO CONSOLIDATION by XXXX on XX/XX/year>. 

This information was sent to me on XX/XX/year> and is also updated in my XXXX account. 

XXXX and Equifax refuses to update my student loan from my credit report. XXXX already did it after the first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.

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 2024-01-26 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: 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 confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/2022 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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 confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/2022 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
I am writing to file a formal dispute regarding a clear violation of the Fair Credit Reporting Act ( FCRA ) by XXXX and Experian. I have discovered that the consumer reporting agencies have reinserted previously deleted information into my credit report without providing the required notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ), it is explicitly stated that if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted, the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion. 
Despite this statutory requirement, I have not received any notification from either XXXX or Experian regarding the reinsertion of the aforementioned accounts. This failure to comply with the FCRA has serious implications for consumers, as it denies them the opportunity to review and dispute inaccuracies in a timely manner. 
I kindly request the Consumer Financial Protection Bureau to : 1. Investigate the reinsertion of deleted information by XXXX and Experian without providing the required written notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
2. Confirm the violation of the FCRA and take appropriate enforcement actions against XXXX and Experian. 
3. Ensure the immediate removal of the reinserted accounts from my credit reports. 
4. Provide me with written confirmation of the resolution and any actions taken.

I appreciate your prompt attention to this matter and the protection of consumer rights under the FCRA. Please feel free to contact me if further information is needed. 
Thank you for your assistance in resolving this issue.

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 2024-01-26 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 am writing to submit an Identity Theft Report in connection with the fraudulent use of my personal information. I believe that my personal information has been compromised, and unauthorized accounts and transactions have been made in my name

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 2024-01-25 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:
My information was misused and now this unauthorized information is damaging my report. This is a violation of the FCRA because this Information is not 100 % 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 2024-01-26 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Paypal got credit cards and bank cards and accounts in my name fraudulently, used the money and won't allow me to access any information. XXXX also obtained credit cards and bank accounts in my name along with selling my investments and has been doing this for years. I've never received any money at all nor have I ever met him. I can not access anything bc he has remotely been controlling my devices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX  Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX  discharge filing and we signed a reaffirmation agreement XXXX XXXX We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXXXXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the 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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX discharge filing and we signed a reaffirmation agreement XXXX XXXX We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file XXXX XXXX XXXX XXXX XXXX in XXXX. Our mortgage was not included in the XXXX discharge filing and we signed a reaffirmation agreement XXXX XXXX. We have not missed or made any late payments during the entire duration of our loan. I have requested for XXXXXXXX XXXX to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the 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 2024-01-26 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:
Have unauthorized inquiries on my credit report I never gave any permission to access 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