vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate.

Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution.

Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights.

Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation.

FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
On XXXX XXXX, XXXX  a Military Star Credit Card was opened in my name fraudulently and without my consent or knowledge. This is identity theft. This showed up on my XXXX credit report and I was notified in this regard.

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 2024-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a capital one credit card, but is pre pay ... XXXX dollars from my bank and pay a XXXX dollars limit credit line... ..i use XXXX dollars and pay way before due day and they misslead the creadit sistem ... .i did talk to a employee name XXXX and he was very, very unprofetional... .even say to me ... if i dont like the way the do work XXXX ... ... and i ask what is XXXXand he start smiling like am a stupid ... ..and XXXX, but i dont deserve this treament ... and a few days later the bad report on a credit card pre pay and i pay before due day...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
I have reached out to Transunion to provide accurate documentation to prove these accounts belong to me but they have not. I have reached out to the collectors and they themselves can not provide proof so how is Transunion getting their " accurate '' information from. At this moment Transunion is giving me the run around and I am pleading for help from 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 non-monetary relief
Consumer complaint received 2024-01-07 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal 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 2024-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked XXXX to remove the account from my credit report with all XXXX credit buraeus due to identity theft however XXXX has not removed the account. The balance is over $ 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 2024-01-07 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: TX

Complaint narrative:
XXXX has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked XXXX to remove the account from my credit report with all XXXX credit buraeus due to identity theft however XXXX has not removed the account. The balance is over XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TX

Complaint narrative:
XXXX has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked XXXX to remove the account from my credit report with all XXXX credit buraeus due to identity theft however XXXX has not removed the account. The balance is over 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 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX I received an email stating that a purchase from XXXX XXXX had been made in the amount of XXXX. I was at home so I know that it wasn't me who made the purchase. I called within XXXX minutes of receiving the email to tell the bank and have them cancel my card. I had received XXXX phone calls the night of XX/XX/XXXX about apple pay but I have a XXXX phone so I can't use apple pay. The number was from the bank and the automated voice said it was Huntington bank. I hit the no option but didn't think anything about it. Then XX/XX/XXXX I received an email at XXXXXXXX XXXX stating that my apple account had been set up so I called the bank again to make sure that the card was canceled and asked why I am getting an email the day after all this took place. I was told to file a police report which I did. I sent the case number to Huntington. I called Huntington on XX/XX/XXXX just to follow up and was told that the case was closed and that it was found that information that I said didn't match what was found so the case was closed. I was told they could reopen it and I asked that they do because that is a descent amount of money that I need back. I was told that apple pay was used but I don't have an XXXX and never received any verification codes to even approve an XXXX account. I didn't receive an email from the bank until the next day after all this had taken place telling me that my XXXX account was active but again I don't have an XXXX. This was not me. I would not risk going to XXXX  by getting the police involved if I did this or had any part in it. I don't understand what information they used but I just want my money back. I have never been to the XXXX XXXX that this happened at nor do I ever shop in that town.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my truck XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was repossessed in 33 days of non payment without any notice by Westlake Financial Services. They received last payment on XX/XX/XXXX shows in the XXXX XXXX XXXX statements. Westlake Financial Services wants {$1600.00} single payment in order of retrieve the truck back. They did unfair trade practices because I should being noticed that they will REPO the truck. or give an opportunity to make the payment due to holidays delays and issue with XXXX XXXX XXXXXXXX. I require the truck back to go to work and I only have {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: One Source Technology
State: MI

Complaint narrative:
On XX/XX/XXXX, Asurint informed me that they had performed a background check for a potential employer, and that I could review the report information. Upon reviewing their report, I found that they had the incorrect institution for my XXXX XXXX XXXX. After informing them of their mistake by telephone ( the link to their FCRA dispute form was broken on their website ), they informed me on XX/XX/XXXX, that the incorrect information was, in fact, correct, and that they were closing the dispute. 

I checked again on XX/XX/XXXX, and found that the incorrect information was still present, and the link to their FCRA dispute was still broken. This is highly unacceptable, and shows how little Asurint cares about maintaining correct information and complying with the FCRA by providing a working dispute mechanism.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: NJ

Complaint narrative:
I noticed some unauthorized hard inquiries Equifax has on my report with XXXX XXXX. Which I dont know what that is and I see that they have it down twice and also they have a company called XXXX XXXX which I dont have no knowledge of what that can be. I sent the company documents back on XX/XX/23 which Equifax explained to me they will investigate it, it would take 7 to 10 business days or 30 days for them to find out about this. Which its been 30 days, I still see both companies on my Equifax which Equifax fail to remove this hard inquiries along with the documents I sent to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 

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 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 2024-01-07 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX. 
XXXX XXXX Reporting Charge off balance of {$570.00} Date XXXX 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: AR

Complaint narrative:
CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX 
XXXX XXXX Reporting Charge off balance of {$570.00} Date XXXX 
XXXX XXXX XXXX Reporting Charge off balance {$0.00} 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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


XXXX XXXX XXXX xxxxxx XXXXXXXX XXXX  XXXX xxxxxxxxxxx XXXX XXXX  XXXX xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

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

Company response to consumer: Closed with non-monetary relief