vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft. Unauthorized accounts and inquiries have been fraudulently opened or made in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these accounts and inquiries from my credit report. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft. Unauthorized accounts and inquiries have been fraudulently opened or made in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of these accounts and inquiries from my credit report.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-28 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-11-28 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: NC

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company has wrongfully damaged my credit reputation and character, by publishing inaccurate, defamatory, and non-public private financial information on and or about me, causing me financial and emotional damages, and it is repeated on a monthly basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunately it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunately it has been over 30 days and no accounts was 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 explanation
Consumer complaint received 2024-11-28 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXX  ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2024-11-28 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXX  ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The CFPB stated that ... consumer reports can operate as a gatekeeper to significant life and economic decisions. XXXX  is furnishing inaccurate information to consumer reporting agencies. These are unauthorized parties. This practice is biased, unfair and definitely having a negative impact on my ability to provide a safe home, vehicle, food and basic life necessities for myself and my family. 
XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. 
I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 
The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
In this case, I am the consumer and XXXX is the person making reports to consumer reporting agencies. According to the CCPA and FCRA, XXXX  is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 
XXXX  failed to notify me of negative information being added to my consumer report at any time. 
The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX has furnished my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX. 
I learned that 15 U.S. Code 6802 entitled Obligations with respect to disclosures of personal information requires XXXX  to provide disclosures to me including an opportunity for opting out of and directing that my nonpublic personal information not be disclosed to any third party before it happens ; an explanation of how to exercise that nondisclosure option ; and disclosure of any joint or contractual agreement XXXX XXXX has with another financial institution to perform other functions requiring that third party to maintain confidentiality of such information. Why would I not have taken advantage of these benefits were they provided to me? Had XXXX provided these mandated disclosures, I would have opted out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The CFPB stated that ... consumer reports can operate as a gatekeeper to significant life and economic decisions. XXXX is furnishing inaccurate information to consumer reporting agencies. These are unauthorized parties. This practice is biased, unfair and definitely having a negative impact on my ability to provide a safe home, vehicle, food and basic life necessities for myself and my family. 
XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. 
I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 
The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
In this case, I am the consumer and XXXX  is the person making reports to consumer reporting agencies. According to the XXXX and FCRA, XXXX  is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 
XXXX failed to notify me of negative information being added to my consumer report at any time. 
The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX has furnished my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX. 
I learned that 15 U.S. Code 6802 entitled Obligations with respect to disclosures of personal information requires XXXX to provide disclosures to me including an opportunity for opting out of and directing that my nonpublic personal information not be disclosed to any third party before it happens ; an explanation of how to exercise that nondisclosure option ; and disclosure of any joint or contractual agreement XXXX XXXX has with another financial institution to perform other functions requiring that third party to maintain confidentiality of such information. Why would I not have taken advantage of these benefits were they provided to me? Had XXXX provided these mandated disclosures, I would have opted out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Experian XXXX went up 2 days ago! Now I just got notification that I have NO XXXX XXXX  stating Ive not been using my credit when I have had this card for over a year- payments on time each time the card has been paid off each month- XXXX not sure WHY THIS KEEPS HAPPENING BUT IT NEEDS YO STOP! XXXX getting ready to sue! XXXX trying to buy a HOUSE! I went from a XXXX XXXX to not having a XXXX XXXX ALL! When I have the same account open and a few days ago had a XXXX XXXX SCORE! Im trying to buy a house right now! I cant keep doing this! This needs to be recalculated and my credit history placed back! I need my XXXX SCORE! A month ago I disputed a n incorrect balance XXXX  XXXX reported and now I have no XXXX? I cant keep living like this!! We will end up in court if this isnt rectified immediately! Its messing with my life right now!

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 2024-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD bank is a constant problem. They are terrible to their consumers. I've complained about this bank plenty of times. I just gained access to my XXXX  XXXX. I added my account to TD Bank to pay a overdrawn account. My account was overdrawn about {$XXXX}. These people treated me like I was a criminal. My account was shut off, stating I needed to receive a access code to gain access to my account. I called from my son 's phone to let them know I had no access to my phone, because I can't pay my phone bill. These people allowed me to tell them all the verifying details, which XXXX okay with that, some of the things was ridiculous. " Do I know the last purchase I made the day the exact amount ''. How can I know that if I dont have access to my account? I went as far as going out to my car to find a receipt. That wasn't recent enough. All these hurdles just to still not have access to my phone and account. I asked if they could XXXX me a XXXX time over draft of {$XXXX}. They have my payroll direct deposit showing in their system. Knowing I get paid every other week faithfully the entire time I had my account. These people was stating I didn't pay the overdraft when I clearly have proof of the payment ; which I will provide. It showed as soon as I paid it. It have been times when TD will overdraw my account for hundreds of dollars due to them holding debit payments for over a week. Then pushing them all though on Tuesday evening. XXXX over banking in the public. Now that I'm on the private side I will be closing my account and requesting the secret bonds they place on consumer 's accounts. It's time I take my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My right to privacy is protected under laws enacted by XXXX to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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