vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. 
However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 
I thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In the letter I sent, the below accounts on my credit report were being disputed. 
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 The above accounts should be permanently deleted from my credit report. 
I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. 
XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address. Attached you will also find my ID, and Proof of Address with my most recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: IL

Complaint narrative:
Please see attached docuasfments. Do not close this complaint stating it is not me. I am a natural pefsrson and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attached documaents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reviewing my credit report because I am in the process of buying a home and the report that I was given by the mortgage broker shows multiple account inaccuracies be it the payment history, account balance, date of last activity, and in some cases the very account number. So I am now requesting debt validation on these accounts, under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX | ACCOUNT : XXXX | {$0.00} | there are XXXX late indicators when the account was never late and unless you can prove that they sent my statement to me 21 days before the due date these must be removed under, 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX | ACCOUNT : XXXX | {$710.00} | XXXX  | ACCOUNT : XXXX | {$120.00} |

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Since XX/XX/XXXX and through XX/XX/XXXX, XXXX was fraudulently charging my credit card with Aspire ( card ending XXXX ) for a total of {$260.00} for alleged meal plans I never authorized nor received. I contacted Aspire and while they credited the account after closing same, they reversed the credits on XX/XX/XXXX and expect me to pay for something not authorized and not received. Attached are documentation sent to Aspire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these any items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see attaached documents. Do not close this ccomplaint stating it is not me. I am a natural person and a consumer.

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/, I deposit a IRS CHECK to Capital One in the amount of {$2800.00}. I expected the money to be held u til the next business day. 

When I found that The check was being held, Capital One agents in the XXXX told me that an investigation was being made because the check was likely fraudulent or could be fraudulent. 

A person representing Capital One investigation department informed me that the check the IRS GAVE ME WAS not RIGHT and demanded that I turn over any information they have me and that I will not receive the funds u til an investigation was conducted as to why I received a check. 

I sent them the requested information and asked them to return the check to me and to close out my account. I told them that they have no right to dispute or dictate a check from the United States Treasury Department. The check was issued and my bank account was legitimate and everything was proper. 

I was told that they could hold my funds for 60 days if the IRS approved the check. 

I did nothing wrong. I was treated like a criminal and my money withheld. 

Their position is that many people have created fake IRS checks and defrauded the Governments and Capital One was taking a stand. I told them their position has nothing to do with me. But yet they indicated that they will investigate my check and withhold funds up to 60 days. 

They did not accuse me of submitted a fraudulent check. They indicated that this is something they are allowed to do. 

My phone number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
i am victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that I have mad. it is the result of identity theft. 
please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this inf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The Amex gift card I received says it's active and has {$25.00}, yet I can never make a purchase and it always says the payment method expired or declined. Whenever I re-add the payment method, I'm given a {$0.00} pending purchase for XXXX  days. 
After looking for my issue online, I have seen numerous others with the same problem, all noting that customer support was unhelpful and a waste of time. I refuse to go through that process for it not to work for me either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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: CA

Complaint narrative:
Ive disputed numerous times and with no resolution I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the XXXX data breach, has been sold and purchased illegally. Despite XXXX acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Attached herewith is the evidence of XXXX acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report. 

I have made multiple attempts to resolve this issue directly with TransUnion but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information. 

Please find attached the following supporting documents : XXXX. XXXX acknowledgment of my victim status. 
XXXX. Any additional supporting documentation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue. 

Sincerely, 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 2023-12-28 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Social security number is XXXX On experian credit report theirs is negative item that's fraud on XX/XX/XXXX experian removed that item they all of sudden the next day on XX/XX/XXXX it re appeared on my experian credit report I have a federal trade commission identity theft report on file normally they will removed or blocked the negative fraud items their was a error when they added it back on my 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 2023-12-28 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: 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
I purchased a Fridge ( kitchen appliance ) from XXXX, who had a lease agreement option called XXXX. I paid all my payments in full and they kept taking money, XXXX XXXX was then involved, they are the original creditor, they called, harrassed me daily for months, took money out of my account, kept taking money out of my account, the bank couldn't do anything about it because XXXX stated it was a legitimate debt. It was not. 
Payments below {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00}XX/XX/2017{$100.00} XX/XX/2017 {$82.00} XX/XX/2017{$180.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$410.00} XX/XX/2017 ( I was told I was buying out the contract agreement ) That no Money was due after this last payment {$180.00} XX/XX/2017 ( They took this without my knowledge when I learned what they did they said it was the buyout fee... I stated on XX/XX/XXXX i was told i was buying out the contract, they said this is the last fee ) {$120.00} XX/XX/2017 ( They took this after I verbally told them they could not ) {$200.00} XX/XX/2017( Once again they verbally were told to not take anymore money from me & they did. I spoke with management I was assured My agreement was paid in full {$200.00} XX/XX/2017 ( They continued taking payments ) {$200.00} XX/XX/2017 ( I asked if i could bring the product that i originally purchased back told them this was complete bull XXXX that they were stealing from me and committing fraud ) {$320.00} XX/XX/2017 ( Was contacted to pay off unit I said I already have, they took this payment without my permission ) {$100.00} XX/XX/2017 ( Took more money from me with out my permission on the same day ) I finally got smart changed banks and cut off that card. they continued trying to take payments but it was a dead card. 
XXXX then sold my account to Security Credit Services , LLC and now they are being awful about all of this wont let me speak to upper management, told me & my husband we are not important enough to speak to her superiors ( she was a supervisor ) They wont help, they wont acknowledge my emails, or calls, they reported to the credit bureaus that i owe XXXX I owe nothing, infact they owe me, they scammed me, and they committed fraud by taking money without my permission even after I told them they couldn't. Please help. This is negatively impacting my credit score, it has caused -me to have high interest rates, lower credit score than what i should. 
My number is XXXX

Company response to consumer: Closed with explanation