vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: NY

Complaint narrative:
I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX  compliant or meet XXXX  requirements, Please remove items immediately!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: NY

Complaint narrative:
I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX compliant or meet XXXX requirements, Please remove items immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NY

Complaint narrative:
I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX compliant or meet XXXX requirements, Please remove items immediately!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: TX

Complaint narrative:
I went to a local XXXX dealership to purchase a vehicle and wasn't aware that there were 9 hard inquiries on my credit report. The following inquiries are, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-09-27 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my credit report. I previously request debt validation via certified mail and advised that I am a victim of identity theft. Your office failed to respond to my debt validation request. For the record, I have no knowledge of this account. I am a victim of identity theft and did not open this account. 
I am requesting that the accounts be removed from my personal credit report, as this account was opened fraudulently. I have placed a fraud alert on my credit profile to prevent this from happening again. Please restore my credit back to good standing by removing these accounts ( XXXX & XXXX ) which I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
XX/XX/2022 caller ID said Wells Fargo so I answered and the voice on the other end said they were XXXX with Wells Fargo fraud department. He said someone named XXXX XXXX was trying to use XXXX to transfer {$3500.00} from my checking account. He asked if I knew XXXX XXXX said no. So he had me log into my account to check they hadn't stolen my login information. Once I was in He walked me through XXXX to see if XXXX was a recipient. When I said he wasn't he made it sound like he was responsible for removing him. Then he walked me through what he said would cancel out the fraudulent transfer by sending a {$3500.00} transfer to Wells Fargo. Something clicked when asked for the transaction reference number, so I hung up and called Wells Fargo fraud direct. They took my info and filed a claim. XX/XX/2022 I received a letter saying that the transfer had gone through and there was nothing they could do. They had contacted the financial institution on the receiving end and asked for the money to be returned but there was no guarantee and that I could also try contacting the scammer and asking for my money back. My claim has been closed.

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 2022-09-27 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: CA

Complaint narrative:
I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
In accordance Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states I have the right to privacy. 15 US Code 1681 Section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX- {$490.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVIDXXXX19 ) pandemic during the covered period. 
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

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 2022-09-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my credit report. I previously request debt validation via certified mail and advised that I am a victim of identity theft. Your office failed to respond to my debt validation request. For the record, I have no knowledge of this account. I am a victim of identity theft and did not open this account.

I am requesting that this account be removed from my personal credit report, as this account was opened fraudulently. I have placed a fraud alert on my credit profile to prevent this from happening again. Please restore my credit back to good standing by removing this account ( XXXX ) which I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: GA

Complaint narrative:
I recently viewed my credit report and saw several discrepancies and inaccuracies with the accounts listed below. There are several inaccuracies on each accounts date opened, payment date, payment amounts, etc. that needs to be removed immediately. 
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 XXXXXXXX 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 or intormation Any otner adverse item Or Information, Otner than records Or convictions Or Crimes which antedates the report DV more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the intormation 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 2022-09-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.

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 2022-09-27 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: NY

Complaint narrative:
This is my final attempt to dispute the information in my credit file which resulted from an alleged identity theft before I seek legal remedy. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.

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 2022-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-27 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-27 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX charged me {$95.00} annual fee on XX/XX/XXXX the folowing year when i switched to a no fee card they charged me {$95.00} on XX/XX/XXXX more than XXXX weeks before the XXXX fee was due to expire. I received my new no fee card however the bank still charged me {$95.00} for a no annual fee card.

Company response to consumer: Closed with monetary relief