vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Referred through, ironically, XXXX 
Applied for line of credit, was approved for {$2000.00}, signed to accept. Next screen signed I agree to XXXX XXXX XXXX final screen gave banking info. 
Then saw " were working on funding, typically takes 15 minutes. '' Then received email that I was denied. After signing their contracts and giving bank info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Date for compliant is XX/XX/year> ; Bank of America reports that fraud was done with my name. I am not aware of any fraud done in my name during XXXX. The information that is being reported is incorrect. 

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission. 

I am requesting to have this taken off my credit report. This information on the early warning system report is false.

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 2025-01-12 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: FL

Complaint narrative:
On XXXX I reviewed my credit report, there were names and address on it that were incorrect- spelling errors or just wrong I requested that they fix everything in my personal credit report and experian has refused to correct them. 
The following items are incorrect. 
( 1 ) address identification number XXXX and XXXX are incorrect according to the fair credit reporting act they must be corrected. 
( 2 ) my home address is incorrect, any other should be deleted.

( 3 ) my name is incorrect and should be deleted any other reference to names as they are not mine and I have never used any of them. 
I am requesting that this three things be corrected on my credit report per the fair credit reporting act.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THE METHOD OF VERIFICATION TO YOUR COMPANY, THIS LETTER MAKES IT CLEAR THAT I AM NOT DISPUTING ANY ACCOUNTS. 

THIS IS NOT A REINVESTIGATION OF THE ITEMS I DISPUTED IN MY PREVIOUS DISPUTE. DO NOT OPEN A REINVESTIGATION. I REPEAT, DO NOT OPEN A REINVESTIGATION ) ( I DO NOT AUTHORIZE NOR DO I WANT ANOTHER REINVESTIGATION ) ( I REFUSE ANOTHER REINVESTIGATION ) ( THIS IS NOT ANOTHER DISPUTE. I DO NOT WANT ANOTHER DISPUTE ) ( I NEED THE METHOD OF VERIFICATION/DESCRIPTION OF REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT LISTED THAT YOU SAID WERE UPDATED AND VERIFIED ) 1. I AM REQUESTING THE PHYSICAL DOCUMENTATION ( WITH MY SIGNATURE ) AND ALL OTHER DOCUMENTS THAT YOU HAVE ON FILE THAT DETERMINES THAT THIS INFORMATION IS 100 % ACCURATE & CORRECT IN REPORTING ON MY CONSUMER REPORT AND SHOWING THAT I HAVE A LEGGALLY BINDING CONTRACUAL OBLIGATION TO PAY THEM. ( DO NOT SEND SCREEN SHOTS, THEY CAN NOT AND WILL NOT BE ACCEPTED ) 2. WHO DID YOU INTERVEIW REGAURDING THE DISPUTED ITEMS AND ACCOUNTS? ( NAMES OF THE PERSON OR PERSONS AND WHAT POSITION THEY HOLD IN THE COMPANY ) 3. THE DATE AND TIME YOU TALKED TO THAT PERSON WHO GAVE YOU THE INFORMATION AND WHAT DID THEY GIVE TO YOU? 
( YOU HAVE 15 DAYS TO SEND THIS TO ME. 


YOU HAVE 15 DAYS TO GIVE ME THE METHOD OF VERIFICATION THAT IS REQUIRED UNDER THE FCRA FOR EACH ACCOUNT LISTED. 

( XXXX XXXX ) ( XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documentation along with a letter from an advocacy group assisting me due to my status as a victim of XXXX XXXX involving debt bondage. This situation qualifies as XXXX under the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

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 2025-01-12 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: GA

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. 

List of Unauthorized Inquiries : 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-12 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: CO

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-01-12 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: CO

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a claim against XXXX charges with my Capital One Bank for services not rendered. 

On XX/XX/XXXX, although XXXX did not oppose nor file against any of my disputes Capital One still denied my claims against XXXX and recharged my account with {$260.00}. 

On XX/XX/XXXX and XX/XX/XXXX I asked for a Supervisor to get involved. 

When receiving no response by XX/XX/XXXX I again called on XX/XX/XXXX and XX/XX/XXXX. 

Upon speaking to a supervisor my claims were still denied. In sum, enabling XXXX to fraudulently charge customers and string them along about rectifying their lack of services. Stringing them along so as to continue charging fraudulently. While in the interim customers in good faith wait on XXXX to resolve their false advertising. 

Capital One claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I have financial hardship and was denied refinancing so was forced into forbearance had home repair I couldn't afford along with mortgage and other expenses and rocket Mortgage gave me what I thought was a sweet deal until after I signed paperwork in front of a notary then rocket Mortage decided to renig and now have raised my mortgage XXXX XXXX more a month which being XXXX will force me into foreclosure. When you take a loan payments shouldn't change and this isn't right to change after the affect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
The collection agency XXXX XXXX XXXX has engaged in false and misleading practices violating FDCPA 8 07 and provided misleading forms violating FDCPA 812. I asked Experian to remove this misleading report from my credit and they refuse to do so

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have contacted this company on several occasions requested proof of this debt. The debt was never verified and is stopping me from getting a home but the company never verified debt but constantly contact me and harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
On XX/XX/XXXX I called XXXX alerting them that someone was trying to open a credit card on my name ( because I received a text message from them ) but I didn't apply for it. They replied, don't worry no credit card has been opened on your name. 
I reached to the credit bureau and I put an identity theft and fraud alert. 
On XXXX I received an email from XXXX telling me that I have a balance in " my XXXX XXXX XXXX card '' and that I need to pay it. 
I called XXXX XXXX department and I told them I didn't open that credit card, they said they will take care of it. 
On XXXX I have an impact on my credit report score because " I have an unpaid credit card citi diamond ''. I called again and they said they will send a letter to the credit bureu to remove the hard inquiry and the overdue for that credit card. 
On XXXX I called again because the problem was still there, they told me it would take time to reflect the change on my report. 
I am still having the problem and I am receiving emails from XXXX telling me to pay that card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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
Consumer complaint received 2025-01-12 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: RI

Complaint narrative:
On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX XXXXXXXX trying to open a account On XX/XX/year>XXXX XXXX XXXX  na trying to open a account On XX/XX/year> XXXX XXXX na trying to open a account On XX/XX/year> XXXX XXXX trying to open a account On XX/XX/year> XXXX XXXXk trying to open a account On XX/XX/scrub>XXXX XXXX XXXX trying to open ma account On XX/XX/year> XXXX XXXX trying to open a account

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 2025-01-12 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: RI

Complaint narrative:
On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX XXXXXXXX trying to open a account On XX/XX/year> XXXX XXXXXXXX na trying to open a account On XX/XX/year> XXXX XXXXXXXX na trying to open a account On XX/XX/year> XXXX XXXX trying to open a account On XX/XX/year> XXXX XXXX trying to open a account On XX/XX/year>XXXX XXXX XXXX  trying to open ma account On XX/XX/year>XXXX XXXX XXXX trying to open a account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
HI, I REALLY SAW XXXX OPEN AND XXXX CLOSED ACCOUNT ON MY XXXX CREDIT REPORT AND XXXX COLLECTION, I CAME IN THE XXXX IN XX/XX/year> I WAS APPLIED TO MY FIRST TEMPORARY GREEN CARD ON XX/XX/year> NOW I SAW MULTIPLES DATE WITH DEBT IN MY ACCOUNT BEFORE I CAME HERE. PLEASE CAN I HAVE A CLEAN PROFILE CAUSE THOSE ARE NOT MY TOUCH I ONLY HAVE A CAR THAT I KNEW AND WANT TO SEE MY PROFILE LOOKS GOOD AND NOW THERE IS A XXXX COLLECTION I SAW NAME XXXX. {$220.00}. I WANT TO HAVE MY PROFILE LOOKS GOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
This is a form of complaint about Experian, not removing old, outdated, or missing information.They are not updating or displaying correct information on their website and on my credit report. For more than a year and three months they haven't updated or responded to any of the XXXX discrepancy letters the same debt amount that I once owed has not been changed that's what triggered me to look through my credit report through Experian and realized that there haven't been a change is some time. Experian has heard me personally in my business because I'm not able to obtain business moans or lines of credit that will enable me to live and or do business. I really need your help because I don't know how to fight them. I keep getting denied for XXXX loans because of the old outdated incorrect Information. Thanks for your help.i thought i was alone in this fight.

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