vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: UT

Complaint narrative:
I have sent a letter to the credit reporting agencies. XXXX, XXXX, and Experian. 

I have sent letters asking for a reinvestigation of accounts in question on XX/XX/year> in accordance with FTCA Public Law 91-506 requesting validation and information of the individuals they verified the information with. 

I have not received the results of the investigation or if the investigation has even began and has now been over 30 days. I sent a follow up letter via certified mail demand to comply with yet no response. 

The credit companies are not complying with their own policies in a timely manner. 

I ask that they remove the accounts in my letters immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: IN

Complaint narrative:
**Dispute Report** Date : XX/XX/year> Subject : Removal of Fraudulent Accounts and Hard Inquiries from Credit Report To Whom It May Concern, I am writing to dispute the presence of several accounts and hard inquiries on my credit report, which are negatively impacting my credit score. Below is a list of accounts and inquiries that I believe were fraudulently opened without my consent or knowledge : **Accounts : ** XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX These accounts do not belong to me, and I request their immediate removal from my credit report. Furthermore, I am requesting an update to my personal information on file. Please remove the following business name associated with my account : **Remove Business Name : ** XXXX XXXX XXXX Additionally, I request the correction of my name to " XXXX XXXX XXXX XXXX across all accounts and records. 

**Hard Inquiries Needing Instant Removal : ** 1. 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 And any others that may be present. 

These hard inquiries were made without my authorization, and I request their immediate removal from my credit report as per the law. 

I am enclosing copies of relevant documents supporting my claim, including identification and proof of address. 

Please investigate this matter promptly and provide written confirmation of the actions taken to resolve these disputes. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
**Dispute Report** Date : XX/XX/year> Subject : Removal of Fraudulent Accounts and Hard Inquiries from Credit Report To Whom It May Concern, I am writing to dispute the presence of several accounts and hard inquiries on my credit report, which are negatively impacting my XXXX XXXX. Below is a list of accounts and inquiries that I believe were fraudulently opened without my consent or knowledge : **Accounts : ** XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX These accounts do not belong to me, and I request their immediate removal from my credit report. Furthermore, I am requesting an update to my personal information on file. Please remove the following business name associated with my account : **Remove Business Name : ** XXXX XXXX XXXX Additionally, I request the correction of my name to " XXXX XXXX XXXX XXXX across all accounts and records. 

**Hard Inquiries Needing Instant Removal : ** XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And any others that may be present. 

These hard inquiries were made without my authorization, and I request their immediate removal from my credit report as per the law. 

I am enclosing copies of relevant documents supporting my claim, including identification and proof of address. 

Please investigate this matter promptly and provide written confirmation of the actions taken to resolve these disputes. 

Sincerely, 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an outstanding balance with Capital One for XXXX cards, XXXX with a XXXX $ limit and XXXX with a {$500.00} limit. I paid them both off in full, and my credit score rose as a result. Then, Capital One took the old XXXX $ card balance that was paid in full and sent it as delinquent to collections. I have ALL my XXXX XXXX XXXX payments to Capital One for BOTH card accounts. I called Capital One ( XXXX  times ) and asked them to rectify it and they said they would but my credit score keeps dropping and capital one collections calls my home everyday at least XXXX and XXXX  times demanding payment for an account that they know to be paid in full. I have spoken with XXXX people at Capital One as well as a number of hostile collections agents and have provided them with the payment dates and amounts and they always agree to remove the negative reporting and mark my account paid in full again, but they won't. They keep stealing from me, stealing my credit rating, my creditworthiness/reputation. They know that they are doing it and they refuse to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-16 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-05-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINANCIAL has an inquiry listed on my credit it XXXX appear that im being petty but i was a victim of theft, and this caused me to become frightne i have never applied for credit with this company. dated XX/XX/year>. im asking for removal of inquiry from credit.

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 2024-05-16 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: NC

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are some fraudulent inquiries on 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
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
incorrect information/ non-compliant reporting

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 2024-05-16 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: GA

Complaint narrative:
Incorrect information on 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 explanation
Consumer complaint received 2024-05-16 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 have observed XXXXXXXX XXXX XXXX reporting on my credit report, a loan that is not under my name and i am not associated with this. I believe this is identify theft or there is mix-up on their end. I have hired multiple credit repair agencies to dispute these issues and take it off my report for years. This is negatively impacting my abilities to get business and mortgage loans. I am reporting this as a form of escalation.

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 2024-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I have never signed or agreed to a contract with Sunrise Credit Services. Sunrise Credit Services ( based out of NY ) is not licensed or bonded to collect in my state ( GA ). I do not owe Sunrise Credit Services because I never received a service from them nor did business with them.

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 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank and transfer agents have failed to extend credit to consumer by way of credit application. It is responded Of a concern addressed about an " unidentified security ''. However, the consumer has expressly shown and given details in regards to the credit application ( the security ) And The securities fraud that is taking place. 

I do not wish to be discriminated against by age. I am the majority of sound and able to handle my XXXX and to professionally transact for my XXXX. It is confirmed by XXXX XXXX in the previous response to the CFPB that I claimed rights to credit. Also in the response It states I was Simply not satisfied with the results when this is not the fact of the matter. You can not discriminate against my age ( I am the age of majority ). An application is defined as an extension of credit. I have given PNC Bank principal information relating to my trust and estates account ( XXXX ). I only requested PNC Bank to reconsider the terms in regards of their decision on a consumer extending credit to themselves, I have asked that since it was denied to have my application retracted. To deny my rights to my securities and credit is securities fraud. This is not negotiable. This is not a Personalized response this is In Law. I have done my diligence and contacting regulatory agents within the Security and exchange commission and submitted complaints in regards to this matter. It's not about meeting my expectations. It's about Being in compliance What state and local laws in regards to the consumer, credit privacy act, the equal credit opportunity act, the security and exchange commission provisions in regards to securities and the ceasing of discriminatory and misleading practices..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: GA

Complaint narrative:
Incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My over seas trip between XXXX XXXX XXXX XXXXXXXX was suppose to be charged solely on my capital one card solely as my travel points were to be applied. to this trip additionally they provided free transactions. As in no overseas fees would be charged. 

It was unfortunate that I could not use the card in almost majority of my trip and had roaming on which cost me almost a triple my phone bill since I had to get the otp over the phone verification. I ended up using XXXX XXXX card for the trip who in turn, charged me fees for my entire trip. 
After making calls over calls over call during that first 4 weeks and resubmitting my id with fraud department over and over again I ended up giving up and using cash or paying fees with XXXX XXXX. 



2nd complaint with XXXX XXXX was them denying my application for not having an excellent score of XXXX and up. 


Initially during the application process I was told by their in first week of May that Im pre approved for their for another credit card and that they wont run my credit for it. For the pre authorization. Since I had a balance and need to transfer it to 0 % interest I took their offer and was pre approved for XXXX cards of which saver one showed up. At no point during my call was I told I needed a perfect or excellent score for this card. After applying I uploaded all the documents in XX/XX/XXXX right away with the front and back of my ID card, social security card and document letter which was required. Days later XXXX I received a letter stating upload the sane all XXXX requirements, I called customer service since the application line was not open I told them Ive submitted these online is that okay. She said yes. Then I waited and waited. Instead of 10 days I waited 13 days and called them. They asked again your documents are missing. I sayd no theyre uploaded I have a confirmation. So the next day I get a letter of denying me the card. When asked the supervisor they apologized for not being able to explosion it to me that they need XXXX plus excellent score. 

At no point was this discussed with me prior to running my credit and hitting it with points. 
I spend days waiting on them to contact me while pulling me away from other resources that I couldve researched to keep me from having this interest hit my balance that needs to transferred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
just saw this report on my credit report from equifax. 
This is wrong and I did not own any company money. 
Please remove this incorrect report from those company just try to collect some {$80.00} dollars that I did not owned. 
Thanks for your support, Bests regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
Among many other things, herein attached to this complaint is very specific and exacting exhibits and proof i.e. cancelled checks, credit card statements, copies of old statements with paid off dates. 

CONSUMER FINANCIAL PROTECTION BUREAU shall step in and correct these issues. I am contacting my congressman and senators with a copy of this letter and the previous ones. Please see this is corrected. 

Thank you, 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