vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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 reached out to Experian to dispute an incorrect name on my credit report, XXXX XXXX XXXX. My name is not XXXX XXXX XXXX. My name is XXXX XXXX. They explained they could not remove the name because there is an account under this name. As a result, I would like to dispute the accounts associated with the name XXXX XXXX XXXX. My credit report needs to contain accurate and information that is mine. I have attached documentation of the accounts in question and copy of my drivers license.

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 2024-07-18 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a check on my account they closed my account and told me they would mail me the remaining balance that was left on the account I have never received a check in mail in over XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
The credit bureau XXXX Equifax XXXX has out dated in accurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The credit bureau XXXX XXXX XXXX has out dated in accurate items 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 2024-07-18 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-18 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-18 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: PA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
Southeast Toyota finance is reporting inaccurate information to my credit report regarding and alleged debt. They are reporting inaccurate and inconsistent loan amounts, verification dates, opening dates, and closing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear XXXX XXXX, I am writing to dispute a charge of {$280.00} to my platinum credit card account on XX/XX/year>. The charge is in error because I did not drive the XXXX XXXX XXXX vehicle for the full trip length because of a flat tire occurring on the morning of XX/XX/XXXX. I purchased the turo on XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX at XXXX until XX/XX/XXXX at XXXX. Upon pick up, the Host was not available and communicated about the keys through his wife yet she did not hand me the keys within the XXXX minute refund-cancellation period. There is a condition in XXXX policy that says the host who owns the car has to release the key directly to the turo customers. I was informed by XXXX to communicate about the tire with the host but the XXXX couple informed me that they want me to pay for more damages ( I didnt damage the vehicle ), Since Turo deactivated my account I could only respond to deny these claims with no access to further reply. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate capital one credit statement. In regards to the chargeback rebuttal filed by XXXX I am dismissing the claim of the vehicles conditions in reference to the enclosures presented that disprove that rebuttal. The company is rebutting the dispute for claims stating that the product was not damaged, defective, and was sold as described but that is not true it had a passenger side tire bubble. I booked the vehicle that is pictured below with a picture of a flat tire too. I am not responsible for this charge due to the purchased insurance policy and the premature cancellation of the original trip duration. I picked up the vehicle but I did not drive it the full duration because of a flat tire. I received the vehicle in fair physical and mechanical condition, as shown below. I did not rate the vehicle when asked about the XXXX, I contacted the company directly. The entire disputed amount is invalid and should be refunded as requested. 
Enclosed are copies of the XXXX purchase invoice, flat tire, the tire bubble, the trip duration, the hosts direct messages, and an emailed damage claim that supports my dispute and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX They closed the dispute & put it back on my statement after they accredited it to my account within the investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: CA

Complaint narrative:
I have been contacting the companies and credit bureaus for XXXX months. filed verbal and written disputes and still no results. the XXXX rep advised me to take this approach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to my credit report regarding and alleged debt. They are reporting inaccurate and inconsistent loan amounts, verification dates, opening dates, and closing dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to my credit report regarding and alleged debt. They are reporting inaccurate and inconsistent loan amounts, verification dates, opening dates, and closing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-18 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my consumer report and noticed I had a late payment on an account that I was never late .For consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum accurancy. I have never been late on payments for the account XXXX XXXX  XXXX. please investigate and provide proof with statements showing that these payments were late. If proof can`t be provided, I demand these payments be updated to ON TIME as they should be as I was NEVER late. thanks!

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 2024-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX credit cards services over the last XXXX months. I been having a in accurate report on the credit they issued. Its reporting a late payment that didnt happen and I ask for it to be removed its shows on other reports never no lates but they seem to have a issue removing it the account still revolving same issue wit capitol one but it show no lates as well except XXXX place its inaccurate. This date on capitol 1 XX/XX/XXXX Date XX/XX/XXXX for XXXX XXXX XXXX XXXX XX/XX/XXXX And show paid as agreed but lates also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: Self Financial Inc.
State: GA

Complaint narrative:
XXXX credit cards services over the last XXXX months. I been having a in accurate report on the credit they issued. Its reporting a late payment that didnt happen and I ask for it to be removed its shows on other reports never no lates but they seem to have a issue removing it the account still revolving same issue wit XXXX XXXXXXXX but it show no lates as well except XXXX place its inaccurate. This date on XXXX XXXX XX/XX/XXXX Date XX/XX/XXXX for XXXX XXXX Self financial XX/XX/XXXX And show paid as agreed but lates also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest polices have no effect over my rights as a consumer I have exercised my rights and by law I can opt out of any reporting at any time. This will be a continuing of Civil liability for negligent noncompliance and a violation of the privacy act of Privacy Act of 1974 ( 5 U.S. Code 552a ) as well as 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Bridgecrest did not follow the proper notices in accordance with 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; I as a consumer have rights that are protected by this laws and Bridgecrest DID NOT follow the proper notices as forms where omitted. And the fact that I have sent in my own letter for notice to opt out but Bridgecrest continues to violate my privacy. Bridgecrest has no leg to stand on to continue to report without my consent. I will not stop until this matter is handled XXXX and a claim will be filed if this continues. I demand immediately that this account be removed from my report. I have that right and Bridgecrest no longer has the right nor any policy to use against my rights for there negligence. Federal questioning will come into play for this along with securities and commodities, and to insure that a forensic audit by a series XXXX with a screenshot from the XXXX XXXX  being completed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent in my FTC report with the necessary identification required for submission, via XXXX XXXX mail. On XX/XX/XXXX, I called in to make sure it was received, which, XXXX, confirmed it was. I inquired about the Block of Information being placed on the account within 4 days of receipt of the report, pursuant to 15 U.S Code 1681c-2, which today makes 2 days. She responded that they would not be placing a block on the file and that they would cancel the disputes that are already under investigation and apply the FTC report, which would take another 30 days for them to complete. I advised her that I did not want her to do that and that Id like to speak with a supervisor. She then placed me on a 5 minute hold, after several other holds, to return with more bogus information about her having the same qualifications and capabilities of a supervisor. She was very unprofessional and non-compliant in the handling of this extremely life altering experience, so I asked for her employee ID #, which she told me that she would not be giving me. She bullied me the whole phone call, when I only called to get help! I asked her if she was here to help me or not. She laughed as if I was joking and my livelihood is a laughing matter! I informed her that she was breaking Federal law and violating several of my rights as a consumer. She continued to antagonize me until I hung up. She needs to be held accountable for her ignorance of the law and her disgruntled employee attitude! I did everything that I was supposed to do to protect my interest in this matter. EXPERIAN, this is on you!

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