vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 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: NC

Complaint narrative:
Equifax is refusing to remove inaccurate information from the credit file they hold under my social security number. 

I have a letter from XXXX XXXX XXXX stating they were deleting the negative tradeline associated with the complaint I have previously submitted, but for some reason Equifax seems to claim to be the arbiter of what's accurate and what is not. 

I am demanding that they delete the negative tradeline they are reporting as a chargeoff on my credit report IMMEDIATELY. If they do not, I will use all legal remedies afforded to me by law to get this item removed, and Equifax will have to appear to a venue local to me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Didnt receive validation letter from the collection company of this debt either through the mail or electronically before being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX 's # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX has violated my rights.

15 U.S.C.1681 Section 602 A, States that I have the right to privacy.

15 U.S.C.1681 Section 602 A, Section 2 ; it also States a consumer reporting agency CAN NOT furnish an account with information without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted request to Transunion regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

1. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

2. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

3. This inquiry was not authorized! 
XXXX XXXX XXXX. 
XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

4. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

5. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

6. This inquiry was not authorized! 
XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry 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 non-monetary relief
Consumer complaint received 2022-07-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've have Experian XXXX XXXX both in the XXXX since XXXX after XXXX to the XXXX in XXXX and XXXX Experian XXXX XXXX. I've traveled back and forth for XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX and returned to the XXXX on XX/XX/XXXX when I discovered someone had been impersonating me/identity theft. I filed and notified all three credit bureaus, XXXX FTC and the companies that appeared on my credit report. I sent a XXXX page package to all 3 credit bureaus and began to back track in hopes of figuring out what had happen and how it was possible. I over XXXX Experian Alerts relating to my information being on the dark web, including XXXX XXXX, my phone number, email addresses and addresses, and Experian XXXX factor of LOW. I rented a holiday home in XXXX, XXXX  with no intentions of changing my XXXX address yet they changed it without my permission or checking with me first. I filed my identity theft claim/dispute via phone and the Experian portal on the XXXX of XX/XX/XXXX, uploaded my documentation and sent hard copies via USPS XXXX XXXX. On the XXXX of XX/XX/XXXX I checked my credit file for updates and a account I did not and was not disputing appeared as a dispute. I phoned on the day and to ask why and after being transferred 4 times spoke to someone and asked why. I wasn't given a clear explanation and but it was intimated I initiated it and I was adamant I did not and they should refer to my cover letter with a clear and concise explanation/dispute/identity claim. I have had an extended fraud alert on my account since XXXX after discovering my personal details were sold on the dark web. Experian was aware yet every dark web risk alert on my profile reads LOW. In addition, I found only one alert notifying me my credit file was unlocked and absolutely NONE pertaining to my credit file being unfrozen. The fact Experian found my personal details on the dark web over XXXX times and considered every incident as " Low Risk '' is unacceptable because I have been paying a monthly membership of {$19.00} for over XXXX XXXX  to keep me and my file safe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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. 
XXXX XXXX Account # XXXX, XXXX Acc # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: IL

Complaint narrative:
I just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I receive a message of a hard inquiry on my credit report. I noticed a Capital One quicksilver card was opened on my account. I contacted Capital One and cancelled card and reported it was a fraud account. It was canceled. They suggest I make a report on the .Gov web sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: IL

Complaint narrative:
I just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: IL

Complaint narrative:
I just got an updated copy of my credit report and noticed a bunch of hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-23 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: NV

Complaint narrative:
Several disputes with Experian reporting incorrect information regarding the XXXX XXXX account on consumer report. Experian continues to say that the investigation results in a " verified '' account ; XXXX XXXX has sent me documentation which otherwise disproves this. First, XXXX, XXXX and Experian continue to report " COLLECTION '' on a monthly basis in the payment history. Second, it states that the account is in collection but still lists XXXX XXXX XXXX as the original creditor, but attached on this complaint, you will see that XXXX XXXX XXXX is using a third party collector in which I am to make payments. Having this incorrect information is FACTUALLY INCORRECT. Third : XXXX XXXX XXXX has sent correspondence ( attached ) to state that they would no longer contact me regarding this debt as it has been charged off ; but still have been contacting me. They further list a company by the name of True to which I don't have any relationship as their third party collection agency, and who has not contacted me. Now, even though, through these disputes that I've done with Experian, XXXX XXXX XXXX is contacting me and further sending me secure messages for me to obtain through their web. So, I've contacted the company to propose a settlement amount letter dated XX/XX/2022, ( attached ) to be rid of them and this scam of " BUY NOW PAY LATER ''. In this letter, I've asked them to contact me through US Mail ; not by email or telephone calls. Today, XX/XX/2022, is when I get this email for the secured message ( attached ). I feel that they are violation of debt collection practices, and FCRA reporting practices and would like this investigated further. Lastly, Experian has my id verification ; so, I will not include it here for privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
The XXXX is XXXX The text : [ REGIONS ]. : Your Check-Card/Debit is bIocked, due to abnormaI behavior. 

Review at https : XXXX to resolve. 

Reply STOP=stop, HELP=help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted request to all XXXX, XXXX, and Transunion regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted request to all XXXX, Experian, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my 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 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Received a debit card for a newly opened checking account, Ive never opened this account. Contacted the bank to verify why I was receiving this and was transferred to the fraud department because the account overdrawn. The account was opened online with my personal information and wire deposits and withdrawals were in two other peoples names. 

Additionally received notification from XXXX XXXX XXXX XXXX XXXX informing me of a ransomeware attack on a medical laboratory where I use there services frequently. The letter states the attack accused my first and last name, address, accounts receivable balance, payment information, and social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted request to Equifax regarding removing the below inaccurate items from my credit report. 
This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus refuse or fail to delete inaccurate personal information from my credit file. They are reporting a previous address or contact information belonging to my ex-spouse and is an address where I never lived, resided, or even walked inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX opened a Pay Pal account with phone number XXXX at XXXX XXXX XXXX XXXX GA XXXX. She opened the account with my name, date of birth and social security number. Pay Pal won't give me the proceeds from the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response 1. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
Texas XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
US SM BUS ADMIN ODA XX/XX/XXXX Please remove this fraudulent inquiry 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 non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
It had come to my attention that Trans Union was violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) which i disputed. I was informed the debt had been reinvestigated and validated, meeting FCRA requirements, which is completely false. Which is a violation of ( 15 U.S. Code 1692d ) - Harassment or abuse ( 1 ) ( 2 ) and ( 4 ). I called Trans Union multiple times to no avail. No help, and rude customer service which is also a violation of ( 15 U.S. Code 1681h ) - Conditions and form of disclosure to consumers. Section ( c ) Trained personnel Each violation is regulated by the FCRA with a remedy amount ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted request to Transunion regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX. 
XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry 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 non-monetary relief