vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have XXXX accounts with Citi Bank. XXXX is a business account and the other a personal account. I received a check from a client for the sum of {$2000.00} ; the check was cleared after some days and I proceeded to utilize some of the funds for business transactions. Today I tried to log into and access my account I saw that I could not view my account online and also same for my business line. I called citi and asked why and they stated that they restricted my business ( LLC ) and personal accounts because of the delay in verifying the check I paid in. I told them I do not have a problem restricting my business account but on what right is my personal account being restricted. They stated that the reason for this restriction is that in case they are not able to clear the business check and my account goes into overdraft, they will need to pull money out of my personal account to clear the deficit. I challenged this reasons for illegality because my personal finance should be separate from my business fiancne. Thats why its classified as an LLC for a reason. Citi continues to resrict access to my personal accounts causing great inconvence on the probability of a check not clearing ( there reason being that that is the first time I was completing mobile deposit on the account ), this is an account I had operated for about 3 years. I am submitting this claim because I do not believe that citi 's action of withholding my personal account is legal.

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 2024-03-05 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: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I generated the credit report and I realized that they are charging me a credit card that I never processed. I went to the bank and they tell me that for the time they can no longer do anything that I have to call the company that bought the debt. 

The bank where the credit card is from is Capital One and now where the debt is is XXXX XXXX XXXX for an amount of {$520.00}, which I do not know where it was used and who processed this card on the date it was processed XX/XX/2020 I hope you can help me since I have spoken with them and they only tell me that I have to pay it. I don't know if I should report it to you or to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
My XXXX reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. Any other address listed amongst the major XXXX bureaus Transunion, XXXX XXXX XXXX and the secondary bureaus XXXX XXXX XXXX XXXX XXXX is inaccurate and needs to be deleted 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. Any other address listed amongst the major XXXX bureaus XXXX, XXXX XXXX Experian and the secondary bureaus XXXX XXXX XXXX XXXX etc. is inaccurate and needs to be deleted 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX  XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my XXXX XXXX. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXXXXXX XXXX XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX XXXX and XXXX - XXXX XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my credit score. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX  XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my XXXX XXXX. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-05 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:
I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions.

Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION!

ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT!

YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER THE FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Today made a settlement payment in the amount of {$350.00} to Portfolio Recovery Associates account # XXXX. This settlement payment was made in exchange for deletion of all credit reporting agencies. I should not have to wait 30 days for account to get deleted off the credit reporting agencies database. Attached is receipt that payment was received by Portfolio Recovery Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Upstart Holdings, Inc.
State: NC

Complaint narrative:
Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Reference to Federal and North Carolina Laws Dear UPSTART NETWORK INC., I am writing to address a concerning matter regarding the unauthorized reporting of information to my credit report, as per the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina identity theft fraud laws, specifically North Carolina General Statutes Section 75-63. 

It has recently come to my attention that UPSTART NETWORK INCXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically North Carolina General Statutes Section 75-63, emphasizes the necessity of consumer consent for credit reporting and addresses identity theft fraud concerns. This law establishes clear guidelines for the fair reporting of consumer credit information and underscores the severity of unauthorized access and misuse of personal information. 

I assert with certainty that I have not provided consent for UPSTART NETWORK INC. to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws.

I demand that UPSTART NETWORK INC. immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina General Statutes Section 75-63. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft fraud laws.

I emphasize that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA, North Carolina state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that UPSTART NETWORK INC. will promptly rectify these violations, respecting my rights under federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$17000.00} and XXXX  XXXX XXXX Date Opened XXXX XXXX, 2019 Balance {$3600.00}.

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 explanation
Consumer complaint received 2024-03-05 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report with reference number XXXX. Here is the list of items which were opened without my permission : XXXX : XXXX XX/XX/2023 -- -- -- -- XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CXXXX REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.

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 2024-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: VA

Complaint narrative:
I have been repeatedly contacted by the company Frost-Arnett XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, ( XXXX ) XXXX ) who demand money for a service allegedly provided by XXXX. I have already informed them that XXXX ) I canceled my XXXX XXXX Membership prior to the date of the alleged XXXX visit, and XXXX ) I was in XXXX at the time of the alleged XXXX visit and thus could not possibly have visited the XXXX XXXX location in XXXX. In their last communication they indicated that they had concluded their investigation and reported this debt to XXXX XXXX  agencies. To be clear, I dispute this alleged debt and it should not be reported to any agency. I have provided them ample documentation that they simply ignore. The amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We leased a XXXX lead in XXXX in XXXX XXXX. In XXXX, we chose to trade in the leaf for an XXXX. We did the trade at XXXX in XXXX XXXX. A few months later, we noticed that it continued to report as opened. We have made MULTIPLE attempts to have this information be recorded ACCURATELY. At this time, our report is not accurate in reference to this account. Why would we still be paying for a lead for 8 years? So even if they claim its accurate, we dont even have the car in our possession. We also have a representative ( employee at XXXX XXXX XXXX ) who has also been trying to get this information recorded accurately. All to no avail!

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