vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: LEXISNEXIS
State: CA

Complaint narrative:
This is in response to Lexisnexis to CFPB case num XXXX for the request of deletion bankruptcy record case num XXXX I contacted you by phone and mail you proof of identity I will also upload the proof of my phone call along with a bill and my government issue ID as you requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
Since XXXX of XXXX, I reached out to companies that reported negative marks on my credit report for verification and true accuracy through various letters. These companies have issued responses that include everything but accurate verification, such as billing statements. I have since reached out once again and to each credit bureau : XXXX, XXXX, and XXXX, through certified mail enlisting my concerns for derogatory accounts that report on my credit. The bureaus have deleted some accounts, but overall neglected majority of my investigations by stating the " accuracy '' of these accounts with no proof from the companies or allowing these accounts to repost. 

( XXXX ) Revolving credit for {$4100.00}, reported as charge off by original creditor, sold to another company from original creditor, disputed by myself after being contacted by 3rd party creditor, now reported as charge off by original creditor again. 

( XXXX ) Credit line {$880.00}, deleted by XXXX. Reported by XXXX and XXXX under different account numbers and different company. XXXX responded that the bureau does not acknowledge accuracy from a fellow bureau as a reason for not deleting this account. 

( XXXX ) Different accounts all from XXXX XXXX XXXX were disputed by me and then sold to Midstate company after asking or verification. All accounts have same account numbers, but range in amounts owed. I created an investigation with each of the bureaus, XXXX deleted all accounts. XXXX and XXXX deleted some of the accounts and refuse to provide information or proof of accuracy for why the remaining accounts continue to report. 

Self reports as accurate for the last 3 months from XXXX and XXXX, but XXXX reports as delinquent for 60 days still. I have reached out to both Self and XXXX ( XXXX ). Self states that they have no control for removing " late payments '' and XXXX has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Company closed and froze my account for no reason restricted it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Unit XXXX City, XXXX, Zip : XXXX, MI XXXX Dispute Department EXPERIAN XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES Xactus - XX/XX/XXXX 2021

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 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-06-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed a letter to the credit bureaus on XXXX XXXX to Equifax, XXXX and XXXX. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX Inquiry Info : HARD Inquiry : Automotive - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed a letter to the credit bureaus on XXXX XXXX to XXXX, XXXX and Experian. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX XXXXXXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXXXXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance 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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one advertises price drop protection as a benefit for my venture x card but when a flight I booked through their travel portal price dropped within their 10 day period, they failed to honor the price drop protection. They said that feature was not available on my reservation. No where during the booking process or on their website advertising their benefits do they say it is not always available. They are lying about this feature and do not always offer it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I received a voicemail from a company stating that legal action would be taken in XXXX hours if I did not respond. I called the phone number back, and asked for the name of the company. I then asked for verification of the debt owed. The individual I spoke with, became hostile and told me that he would leave it to the lawyers to decide what happens to me next. I simply asked for verification of the debt which he did not provide. He said it was sent to an old address, and XXXX times to my current address. I have no memory of receiving this notice and simply asked for XXXX more. He became combative on the phone, which was a recorded conversation. He then hung up the phone, so I called back, but nobody answered.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
On XX/XX/2023 someone try to fraudulently attain a personal loan in my name from XXXXXXXX XXXX XXXX, They did not get through. However, their actions left an hard inquiry on my Transunion and XXXX credit reports. I tried to rectify the matter XXXX however, was unsuccessful.

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent XXXX XXXX a negotiable instrument as the holder in due course with instructions to pay the bill and leave the credit card open for future use for personal, family and household purposes. I signed with Surname, given name and the account was immediately closed. XXXX  XXXX is in violation of 12 CFR 1007.2 ( b ) and ( c ). The account is fraudulent due to XXXX XXXX 's failure to include 10-point bold face notice pursuant to 16 CFR 433.2. 

Acct. Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Surname XXXX XXXX XXXX name XXXX XXXX Without Recourse, all rights reserved. UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents

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 2023-06-12 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: OH

Complaint narrative:
There are third party XXXX XXXX on my credit report that do not belong to me and I did not authorize. This is a violation of the XXXX act. Here are the accounts : XXXXXXXX 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 2023-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a XXXX XXXX by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX l

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 2023-06-12 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2023-06-12 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: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

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 2023-06-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to Midland Credit Management. 
Open fraudulently on XXXX of 2020 per the last credit report. 
XXXXXXXX XXXX checking account XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX  now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
XXXX XXXX checking account XXXX XXXX XXXXXXXX XXXX BB & T

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 2023-06-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX  XXXXXXXX XXXX Opened fraudulently XXXX XXXX XXXX now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
Chase bank checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
XXXX XXXX has failed to remove fraudulent inquiries resulting from identity theft. I have already provided all required documentation. These inquiries are not mine and I did not give anyone consent to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, 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:
To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX.

Company response to consumer: Closed with explanation