vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: Veros Credit, LLC
State: CA

Complaint narrative:
XX/XX/XXXX {$3000.00} cash down payment, vehicle was unsafe and wrecked XX/XX/XXXX. Vehicle still not repaired, me and my service dog injured now homeless, no signed contract, XXXX XXXX refused to repair car over 2 months ago, lost my ability to work, injured, homeless with my service dog. Can't purchase a vehicle elsewhere until debt removed from all credit reports and I need my down payment of {$3000.00} cash IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Being a victim of identity theft is a crisis trying to obtain your name back, I have sent in a report all to no prevail when it comes to transunion in whom needs to be sued for taking me through all this knowingly knowing what they doing is against consumer law. These accounts are not mines and therefore I'm demanding the immediate removal of the following accounts. 

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 2024-01-09 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: WI

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was in XXXX  and was released to a XXXX XXXX and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my XXXX  monitoring system this account open XXXX XXXX XXXX XXXX XX/XX/2020 XXXX original balances

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 2024-01-09 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:
I was in XXXX  and was released to a XXXX XXXX and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my XXXX  monitoring system this account open XXXX XXXX XXXX XXXX XX/XX/2020 XXXX original balances

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was in XXXX  and was released to a XXXX XXXX and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my experian monitoring system this account open XXXX XXXX XXXX XXXX XX/XX/2020 XXXX original balances

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX separate occasions ( XX/XX/XXXX and XX/XX/XXXX ) monies were improperly taken from my accounts ( XXXX in the first instance and XXXX in the second ) in the amount of {$1200.00} in the first instance and XXXX amounts ( {$600.00}, {$1900.00}, and {$1900.00} ) in the second instance. 

My income comes from protected federal XXXX XXXX benefits. These benefits are protected by law from garnishment or offset to pay a debt owed to a private person or company. Furthermore, federal law requires that the bank must protect XXXX months ' worth of my federal benefits, in this case {$5000.00} ( though my benefits have increased in the new year and have been retroactively paid and the new bimonthly amount is {$8100.00} ). In both instances, the amount taken exceeded the statutorily protected amount. 

Reference : https : XXXX Reference : 38 U.S.C. 5301 ( a ) XXXX benefits are generally exempt from taxation, creditors, or other legal XXXX. This protection of XXXX benefits includes protection once the monies are deposited into a bank either before or after receipt by the beneficiary ; ( https : XXXX ) Reference : 42 U.S.C. 659 ( h ) ( 1 ) ( B ) ( iii ) XXXX benefits are generally exempt from income withholding, garnishment, and similar proceedings for enforcement of child support and alimony obligations ; and ( https : XXXX ) Reference : 38 U.S.C. 1970 ( g ) Certain insurance payouts to XXXX are exempt from taxation, creditors, or other legal XXXX. ( https : XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: AR

Complaint narrative:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. 

I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. 

Enclosed, please find a detailed timeline of my interactions with your agency, including reference numbers and specifics of each attempt made to address this matter. I request that you thoroughly review this information and take immediate action to rectify the situation. 

The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. As a consumer, I expected a more expedited and efficient response from your agency to correct these inaccuracies promptly. 

I urgently request that your agency conducts a thorough investigation into the matter, removes the fraudulent items from my credit file, and provides me with written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have called and spoke to these financial institutions about the information ** XXXX XXXX XXXX** Bal- {$0.00} Dates- XXXX. XXXX XXXX. XXXX  They did nothing after I spoke to them **XXXX  XXXX XXXX** Bal- {$680.00}. 
Dates- XXXX. XXXX XXXX XXXX. They did nothing after I spoke to them **Capital One**. Bal- {$620.00} Dates- XXXX. XXXX XXXX XXXX. 
They did nothing after I spoke to them **XXXX XXXX XXXX**. Bal- {$1900.00}. 
Dates-?? - currently active. 
They did nothing after I spoke to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: MD

Complaint narrative:
I AM WRITING THIS COMPLAINT REGARDING UNAUTHORIZED CREDIT INQUIRIES THAT HAVE ADVERSELY AFFECTED MY CREDIT REPORT. ENCLOSED WITH THIS LETTER IS A COPY OF MY DISPUTE AND FTC REPORT. THESE INQUIRIES ARE NOT AUTHORIZED AND INITIATED BY ME. THIS IS CLEARLY A VIOLATION OF MY RIGHT AS PER Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. THESE ARE THE INQUIRIES THAT I HAVE LOCATED, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I WOULD LIKE THE CONSUMER FINANCIAL PROTECTION BUREU TO INVESTIGATE THESE UNAUTHORIZED INQUIRIES PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Esusu, Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Security Fraud and Privacy Act Violations I hope this letter finds you well. I am writing to bring to your attention a serious violation of the Securities Fraud and Privacy Act of 1974, as well as FCRA violations and non-public personal information violation under 15 USC 6802. These violations have been committed by ESUSUXXXX XXXX XXXX  without my written or verbal consent, resulting in the unauthorized reporting of my personal information on a consumer report. This report has caused serious Damage to my Consumer Credit with no prior written contracts agreement.

To provide some background, ESUSU/XXXX XXXX XXXX is a company that I have had no prior dealings with, nor have I given them any authorization to access or share my personal information. However, to my dismay, I recently discovered that they have obtained and reported my personal information on a consumer report without my consent.

This unauthorized access to my personal information is a clear violation of my privacy rights, as outlined in the Security Fraud and Privacy Act of 1974. Additionally, the FCRA violations and non-public personal information violation under 15 USC 6802 further compound the severity of this issue. These regulations exist to protect consumers like myself from unauthorized access and dissemination of personal information. violation fees are {$1000.00} per violation per day of continuous reporting as well as emotional damages for findings the cause in the dropping my consumer credit across all the major reporting agencies.violation last report date indicates XXXX XXXX at a non mailable address where as my current address has been updated for the past 2years after last reported date of completed payment I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against ESUSU/XXXX XXXX XXXX for their blatant violation of these laws. I also request that you ensure the immediate removal of my personal information from any consumer reports and databases that ESUSU/XXXX XXXX XXXX may have shared it with.

Please find attached any relevant documents or evidence that may assist you in your investigation. I am also willing to provide any further information or assistance that may be required to resolve this matter.

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this violation and ensure the protection of consumer rights.

I look forward to receiving your response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
These addresses are not mine and I don't have any access to them. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX When addresses that do not belong to you appear on your credit report, it's essential to dispute them promptly. These inaccuracies could potentially signal identity mix-ups or errors that might affect your credit profile. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to maintain accurate and verifiable information. Disputing incorrect addresses is crucial to ensuring the integrity of your credit report. 

To rectify this, you should formally dispute these erroneous addresses with the credit bureau. Provide clear documentation to support your claim that these addresses are not associated with you. By doing so, you are exercising your rights under the FCRA to have accurate and relevant information on your credit report. Promptly addressing these discrepancies will help maintain the integrity of your credit history and prevent potential identity-related issues.

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 2024-01-09 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: MO

Complaint narrative:
Being a victim of identity theft is a crisis trying to obtain your name back, I have sent in a report all to no prevail when it comes to XXXX  in whom needs to be sued for taking me through all this knowingly knowing what they doing is against consumer law. These accounts are not mines and therefore I'm demanding the immediate removal of the following accounts. 

XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Being a victim of identity theft is a crisis trying to obtain your name back, I have sent in a report all to no prevail when it comes to XXXX  in whom needs to be sued for taking me through all this knowingly knowing what they doing is against consumer law. These accounts are not mines and therefore I'm demanding the immediate removal of the following accounts. 

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 2024-01-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX. 

In accordance with the Fair Credit Reporting act. The following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX continues to harass myself and my family, causing undue emotional and mental damage despite numerous pleas to stop sending information and calling. 

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. 

XXXX XXXX XXXX XXXX XXXX - I do not recognize this debt and they continue to harass me every day. This is also not reported correctly because it's reasonable to believe that the spelling is inaccurate All of these collections are hampering my ability to obtain credit to start a business and help my family. I have been in XXXX  for over a year now because of this.

Company response to consumer: Closed with non-monetary relief