vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-31 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:
Consumer Name : XXXX XXXX, XXXX Social Security : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and credit cards as well as car loans from the following creditors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
My chime account was drained when someone used my card information to make over 15 purchases to XXXX in the amount of nearly {$1700.00}. I believe someone got my card information when I had my screen repaired on my phone. When I became aware of this going on, I contacted Chime. They were supposed to have blocked any more transactions from crypto.com but didn't which resulted in almost {$500.00} more charged to my account. I have submitted all kinds of information to them trying to win this claim, but they have denied me every single time, resulting in almost 2 months of fighting, countless hours wasted and still have not received my money back. I did some research into crypto.com, which i DO NOT have an account for. I discovered that they have to have all sorts of personal information in order to create an account there including picture ID, SSN, name, birthday, etc. Chime refuses to refund my money stating that they contacted the merchant but they can not show me proof. I know for a fact they have not contacted the merchant or they would clearly see that the account that was used to steal my money was not me or related to me in any way. This whole situation has caused me to not be able to pay bills on time, buy food, and even was a major reason I was not able to buy XXXX presents for XXXX XXXX  and XXXX kids. This whole thing should be cut and dry case showing that they clearly owe me a reimbursement, but I feel they are refusing to simply because they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CA

Complaint narrative:
in according with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 168. 

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

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 contain any of the following items of information. Any other adverse item of information. other than records of convictions of crime 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 2024-12-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
I am writing to dispute the late payment ( s ) reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX account and request their removal from my credit report, as they involve private information protected under the Fair Credit Reporting Act ( FCRA ). 

Specifically, 15 U.S. Code 1681b ( 4 ) affords me the right to privacy by ensuring that any information related to my late payments, which may be considered private or sensitive, can not be disclosed to third parties unless necessary and in compliance with the law. Given the private nature of such information, I believe the reporting of these late payments may violate my right to privacy under this statute.

Therefore, I respectfully request that you review the reporting of my account and remove any late payment entries that may be in violation of my privacy rights, as outlined under the Fair Credit Reporting Act. 

Please provide written confirmation of the removal of these entries or any corrections made to my account. I also request an updated statement or credit report reflecting the necessary adjustments. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I am writing to dispute the late payment ( s ) reported on my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX account and request their removal from my credit report, as they involve private information protected under the Fair Credit Reporting Act ( FCRA ). 

Specifically, 15 U.S. Code 1681b ( 4 ) affords me the right to privacy by ensuring that any information related to my late payments, which may be considered private or sensitive, can not be disclosed to third parties unless necessary and in compliance with the law. Given the private nature of such information, I believe the reporting of these late payments may violate my right to privacy under this statute.

Therefore, I respectfully request that you review the reporting of my account and remove any late payment entries that may be in violation of my privacy rights, as outlined under the Fair Credit Reporting Act. 

Please provide written confirmation of the removal of these entries or any corrections made to my account. I also request an updated statement or credit report reflecting the necessary adjustments. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
FCRA law I did not give my permission for anything to be reported as a result my information was exposed in a data breach.also according to the fair credit reporting act 15 usc 1681 I was promised accuracy in my report based on that federal law there are errors and the fact that this debt was charged off, but I did not receive a 1099C so this is also considered fraud. I would like this again removed. I did appealed to all three credit bureaus and got no results.

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 2024-12-31 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: NJ

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXXXXXX 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 2024-12-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone got access to my card where I use to live about a year ago and bought something with my XXXXXXXX XXXX XXXXXXXX credit card I never received or made this purchase but they are claiming I did

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 monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I am a victum of identity theft and inaccurate information. After reviewing my credit report with XXXX, I noticed a fraudulent account being reported, XXXX XXXX XXXX and in several inquires from unauthorized sources, Spring Oaks Capital LLC, XXXX XXXX XXXX, and Absolute Resolutions Inve. This is an issue of material fact and there is no doubt the information is insucient and is genuine of the material fact, and must be resolved against XXXX. XXXX v. XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX ). Please remove these items. XXXX inacted the XXXX to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. 2005 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Village Capital & Investment LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XX/XX/year> Village Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX : XXXX ORIGINAL CREDITOR : Village Capital Subject : Cease and Desist Request for Deletion of Collection Account Dear Village Capital, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victum of identity theft and inaccurate information. After reviewing my credit report with Experian, I noticed a fraudulent account being reported, XXXX XXXX XXXX and in several inquires from unauthorized sources, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. This is an issue of material fact and there is no doubt the information is insucient and is genuine of the material fact, and must be resolved against Experian. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX ). Please remove these items. Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( 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 2024-12-31 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:
Complaint I am writing to report a dispute with TransUnion, one of the three major credit reporting agencies. Despite my efforts to correct an error, TransUnion has failed to remove a wrong late payment history ( rating ) from my credit report. 

*Account Information : * - Account Name : XXXX XXXX, XXXX - Account Number : XXXX - Date of Alleged Late Payment : XXXX, XXXX *Description of Issue : * On about XX/XX/XXXX, I discovered a late payment on my TransUnion credit report for the above-mentioned account. However, I have a letter from XXXX proving that the reported late payment for XX/XX/XXXX is wrong and should be deleted from my credit report. I have contacted TransUnion multiple times to dispute this error, but they have refused to remove it from my report. 

*Actions Taken : * Date of initial Dispute : On about XX/XX/XXXX Date of last two Disputes : XX/XX/XXXX, and XX/XX/XXXX Method of Dispute ( phone, mail, online ) : phone, mail, and online TransUnion 's Response ( if any ) : They fixed the error two times, but it came back to my credit report *Relief Sought : * I request that the CFPB assist me in resolving this dispute. I would like TransUnion to : 1. Remove the incorrect late payment history for XX/XX/XXXX from my credit report. 
2. Update my credit report to reflect the accurate payment history. 
3. Provide a corrected credit report to me and to any entity that has requested my credit report in the past six months. 

I have attached the following documents to support my complaint : - Copy of my credit report highlighting the disputed late payment - A letter from XXXX proving that the reported late payment for XX/XX/XXXX is wrong and should be deleted from my credit report - The last Correspondence with TransUnion regarding the dispute Thank you for your attention to this matter. I look forward to a prompt resolution. 
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 non-monetary relief
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-31 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief