vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX  Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TN

Complaint narrative:
I DID NOT AUTHORIZE 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: TN

Complaint narrative:
I DID NOT AUTHORIZE XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: LA

Complaint narrative:
There is an address on my credit report that I have never seen before in my life. I am a lifelong resident of Louisiana and this address is in MD. I have no idea who it belongs to or why it is on my credit report. I have disputed with the 3 credit bureaus but it still hasn't been removed. I have placed a freeze on my account. It appears to have been on there for years ; I also disputed several derogatory collections tied to this fraudulent address but the bureaus have not removed it. I sent in my license to correct it but nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: FL

Complaint narrative:
I have sent multiple letter and no action was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TN

Complaint narrative:
I DID NOT AUTHORIZE XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-06-18 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: TN

Complaint narrative:
Hello, I submitted an application for a rental property with XXXX XXXX on XX/XX/2023 and I got a denial notice back. They use XXXX XXXX XXXX and it stated that they received the report and made the decision based off of my credit FICO score. They stated that they obtained my score from Experian and the score that showed back to them was a XXXX FICO score. I checked my Experian account and my FICO credit score shows on XX/XX/2023 a score of XXXX. I need to file a complaint and dispute of inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: GA

Complaint narrative:
This complaint is proffered against XXXX, XXXX, and Equifax for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the consumers smart credit 3 bureau report is included in this complaint to verify said errors. The said errors are as follows : XXXX. Both XXXX and XXXX report high balance for this account as XXXX. Equifax reports high balance as XXXX. Both can't be correct. XXXX. All 3 bureaus report a different date of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax reports XXXX XXXX. All three can't be correct. XXXX. XXXX and Equifax reports are missing Date account was closed. XXXX. Both XXXX and XXXX report Date of last payment as XXXX. Contrary, Equifax reports date of last payment as XXXX. Both can't be correct and verified as accurate. XXXX. XXXX and Equifax both report Balance owed as XXXX. Contrary, XXXX reports balance owed as XXXX. Both dates can't be correct also. XXXX. XXXX and Equifax both report past due amount as XXXX. Contrary, XXXX reports past due amount as XXXX. Both amounts can't be correct either. XXXX. Both XXXX and Equifax are missing last date verified. XXXX. XXXX report says date of last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. XXXX. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. XXXX. Both XXXX and Equifax payment history completely differ. XXXX shows in XXXX of XXXX account was o.k.. Equifax shows in May XXXX day late. XXXX shows XXXX day late in XXXX of XXXX and Equifax shows XXXX days late in XXXX of XXXX. XXXX shows XXXX days late in XXXX of XXXX and Equifax shows XXXX days late in XXXX. XXXX shows XXXX days late in XXXX Equifax shows XXXX  days late. All mismatched information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: GA

Complaint narrative:
This complaint is proffered against XXXX, Experian, and XXXX for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify said errors. The said errors are as follows : XXXX. Both XXXX and Experian report high balance for this account as XXXX. XXXX reports high balance as XXXX. Both can't be correct. XXXX. All XXXX bureaus report a different date of last activity. XXXX reports XXXX as XXXX. Experian reports XXXX as XXXX. XXXX reports XXXX XXXX. All three can't be correct. XXXX. Experian and XXXX reports are missing Date account was closed. XXXX. Both Experian and XXXX report Date of last payment as XXXX. Contrary, XXXX reports date of last payment as XXXX. Both can't be correct and verified as accurate. XXXX. Experian and XXXX both report Balance owed as XXXX. Contrary, XXXX reports balance owed as XXXX. Both dates can't be correct also. XXXX. Experian and XXXX both report past due amount as XXXX. Contrary, XXXX reports past due amount as XXXX. Both amounts can't be correct either. XXXX. Both Experian and XXXX are missing last date verified. XXXX. Experian report says date of last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. XXXX. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. XXXX. Both Experian and XXXX payment history completely differ. Experian shows in XXXX of XXXX account was XXXX XXXX XXXX in XXXX 60 day late. Experian shows 30 day late in XXXX of XXXX and XXXX shows 90 days late in XXXX of XXXX. Experian shows 60 days late in XXXX of XXXX and XXXX shows 120 days late in XXXX. Experian shows 90 days late in XXXX XXXX shows 120 days late. All mismatched information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is still pending a response. I have responded to Synchrony Bank as requested by email or mail. Email was my choice being that I have sent many letters to the company, and it is has become very costly. I still have not received a response back as of the day since I responded back to them. The email was sent on XX/XX/XXXX at XXXX, XXXX. Normally I can receive an email but can't send one. Email provided was, XXXX. I have provided all necessary documents and pictures of information sent to company, was sent out in this email. Below was my response to email. Some of the information was provided in my last statement. For my privacy I wish to keep some of the information Private and use what I sent. If needed all documents will be uploaded in another complaint. Thanks!

Hi, I have sent multiple letters and copies of verification of the negotiable instruments sent in to set-off this account. Synchrony Bank has failed to give reason of why, it was not credited to the account, and havent made any adjustments. It was even stated to me that they didnt receive the negotiable instrument, but they received the letter that came with it. The negotiable instrument meets all requirements according to the negotiable instrument act XXXX. NEGOTIABLE INSTRUMENT ACT HJR XXXX of XXXX XXXX XXXX XXXXXXXX trade and endorsement of the bill of XXXX XXXX XXXX Enclosed are the copies of the negotiable instruments, and letters sent to the XXXX and XXXX of SYNCHRONY BANK on XXXX XXXX and Synchrony Home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am not responsible for this debt with XXXX XXXX. I do not have a contract with this company. They did not provide a contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: GA

Complaint narrative:
I am not responsible for this debt with XXXX XXXX. I do not have a contract with this company. They did not provide a contract as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with XXXX XXXX regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, XXXX XXXX has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted XXXX XXXX, Equifax, and XXXX times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over 33 old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with XXXX XXXX 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with XXXX XXXX regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, XXXX XXXX has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted XXXX XXXX, XXXX, and Experian times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over XXXX old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with XXXX XXXX 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2023-06-18 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: NC

Complaint narrative:
I have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: Park Hill Holdings
State: TN

Complaint narrative:
Hello, I submitted an application for a rental property with XXXX XXXX on XX/XX/2023 and I got a denial notice back. They use SafeRent Solutions LLC and it stated that they received the report and made the decision based off of my credit XXXX score. They stated that they obtained my score from XXXX and the score that showed back to them was a XXXX XXXX score. I checked my XXXX account and my XXXX credit score shows on XX/XX/2023 a score of XXXX. I need to file a complaint and dispute of inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: GA

Complaint narrative:
I received my credit report on ( Date ) and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I have already reached out the the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that do not have any purpose to be 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 2023-06-18 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: GA

Complaint narrative:
I received my credit report on ( Date ) and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I have already reached out the the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that do not have any purpose to be on my credit report.

Company response to consumer: Closed with explanation