vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-11-09 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: GA

Complaint narrative:
Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of XXXX XXXX Summary of Issue : On XXXX XXXX, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the XXXX  system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 
Experian Response : Experian used the XXXX system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... XXXX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.

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 2024-11-09 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: NY

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 explanation
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within XXXX days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.

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 2024-11-09 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: FL

Complaint narrative:
Account name : XXXX XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within XXXX XXXXays, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of equifax data breach, please remove and block all information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
CFPB I am requesting a proper investigation and to enforce the law. This has been an ongoing issue for months with this creditor who is refusing to comply with the laws under the FCRA. I have never been late in payments with this creditor, and due to inaccurate and sloppy accounting my credit score has suffered. See the attached discrepancies and conflicting information. You will see that this creditor is reporting to XXXX that I was 60 days late, and has been reporting this false information for over a year. You will see that this creditor is reporting the same account to XXXX that I was 30 days late. How can this be if the bureaus are getting information from the SAME creditor. I am requesting that you hold this creditor accountable. This creditor has assumed a vital role and have a responsibility to report consumer information with maximum accuracy. As a direct result of this creditor reporting conflicting, inconsistent and false information, my credit score has dropped XXXX points. I have been denied credit, I had to take off work and have suffered severe emotional distress. The FCRA law specifically states that if there are conflicting information across the credit bureaus the account should be deleted all together or the late payment must be removed. I have provided proof of the inconsistencies and request that the CFPB hold this creditor accountable for violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One regarding my Savor One account ( ending in XXXX  ) with a balance of {$4000.00}. Due to my XXXXXXXX XXXX and my work in a XXXX XXXX, my income fluctuates, which presents unique financial challenges. I requested accommodation under the XXXX, specifically asking for either a balance reduction or other forms of relief to make repayment more manageable. I explained that a recent period of unemployment further exacerbated my financial situation, and although I have secured full-time employment with my first paycheck expected on XX/XX/2024, the rigidity in Capital Ones repayment structure has been difficult to manage given my XXXX. 

In my original message, I requested that all future communication regarding this matter be conducted via email, as frequent phone calls have led to significant emotional distress, XXXX XXXX XXXX, increasing my XXXX and making it harder to manage my XXXXXXXX XXXX. Despite this request, Capital One has continued to contact me by phone, disregarding my XXXX accommodation needs. This lack of acknowledgment of my request for accommodations and the continuous phone calls undermine both my stability and Capital Ones commitment to accessibility. 

In summary, I believe Capital One has not adequately supported customers with XXXX or non-traditional income sources. I am requesting CFPB intervention to ensure that Capital One recognizes my accommodation needs and implements necessary adjustments in line with XXXX principles, especially regarding communication methods and account management for individuals with XXXX. 

Thank you for your assistance in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was apart of equifax data breach, please remove and block all accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with XXXX XXXX XXXX XXXXXXXX.Upon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : Account # XXXX ; {$1500.00} ; XX/XX/2021 To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Proof of Identity** : Including a copy of my drivers license and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX XXXX XXXX and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Thank you for your prompt cooperation.

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 2024-11-09 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: NC

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with XXXX XXXX XXXX XXXXXXXX.Upon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : Account # XXXX ; {$1500.00} ; XX/XX/year> To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Proof of Identity** : Including a copy of my drivers license and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX XXXX XXXX and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Thank you for your prompt cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
I've contacted the credit bureaus on multiple occasions most recently XX/XX/year> in regard to inquires, addresses and accounts that don't belong to me. The requests are being ignored and not being responded to although they have no proof of this/ these debts or inaccuracies being mine. I am requesting that the inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses are NOT mine nor have I ever lived at nor had any affiliations. I've lived on XXXX XXXX XXXX XXXX 6 years : XXXX XXXX XXXX XXXX tx XXXX and XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX. PLEASE REMOVE.

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 2024-11-09 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: TX

Complaint narrative:
This is my 10th requests 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, remove 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: NY

Complaint narrative:
I was communicating with Sallie Mae when I was unable to make payment for a few months. It was not communicated that late payment history would be reported during those calls. The accounts are all current and paid in full at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: FC HoldCo LLC
State: AL

Complaint narrative:
I applied for a car loan in XX/XX/year>. I asked that my credit score only be pulled once due to me planning to purchase a home in the future. They acknowledged that they would do so. This was with XXXX XXXX. My score was additionally pulled XXXX or more times for the car loan in a few days time span. When looking for cars or homes You have 14 days to look under the same score. They should not have ran a hard inquiry multiple times without my approval. I did not know this and did not recognize these companies.

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 2024-11-09 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: GA

Complaint narrative:
Dear CFPB, I am writing to seek your assistance with an ongoing issue I am experiencing with Transunion, XXXX XXXX XXXX. Despite my efforts to initiate an investigation into certain items on my credit report, the bureau has repeatedly claimed that I am not the individual requesting this information. As a result, they have failed to take any action on my request. 

I have provided all necessary information and have verified my identity multiple times to the credit bureau, yet they continue to deny my request. This situation is incredibly frustrating and has significant implications for my financial well-being. 

I kindly request that the CFPB hold Transunion, XXXX XXXX XXXX accountable for their lack of action and ensure that my investigation proceeds without further delay. It is essential that my rights as a consumer are upheld, and I believe your intervention is necessary to facilitate this process. 

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

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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
On XX/XX/year> I requested a debt validation claim consisting of XXXX items. By XX/XX/year> I reached out again because I hadn't heard back from them. They responded by saying they don't have any information about the debt I was inquiring about and gave me an XXXX number to call. I contacted the number and requested another debit validation claim ; still nothing received. I provided my contact information to make sure they could reach me and still nothing no information provided. I've been requesting this document to date and it seems they are intentionally ignoring my request. I am trying to gain further clarification regarding this debt, as I am confident it does not belong to me. However, they have been unwilling to cooperate and share the information I need to move forward. 
NOTE : I have been informed by the bank that they are unable to locate the account referenced in my request. It appears they have communicated the same inability to you regarding my complaint. Despite this, the account, which they claim is inaccessible, has been marked on my credit report. I have contacted them twice by phone previously, and they assured me that they would send the requested information. However, nearly XXXX months have passed, and I have yet to receive anything. It seems I am being given the runaround. 

FDIC case # XXXX Consumer Name : OppLoans Reference Number : XXXX Consumer Contact : ( XXXX ) XXXX | XXXX Mon - Fri : XXXX - XXXX ( Central Time ) Sat : XXXX - XXXX ( Central Time ) XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX IL XXXX. I called on XXXX and spoke to someone in the Escalations Department named XXXX XXXX, and I asked for the documents again. He told me that I could go online and get the documents, and I told him that I don't even know who he is and do not have an account with them. He said he would speak to his supervisor, and call me on Monday. I was sick, so I called them today, and I spoke to XXXX XXXX once again. They said that they could not help me. They told me to change the email address and log into the account that does not belong to me online. I told them I did not feel comfortable with that at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
See attached appliance repair plan by XXXX. I have the right to cancel anytime. I signed up for XXXX on XXXX. My refrigerator broke down and I called XXXX to repair. XXXX refused to come out and look at it repair it. I did not get what I paid for. See plan. With my plan I get a technician to diagnose and repair my refrigerator or any kitchen appliance. I paid XXXX for the month of XXXXXXXX XXXX and paid again in XXXX. When XXXX refused to repair my refrigerator I cancelled the plan. The terms of the contract state I get a refund of any unused premiums. No refund was given. XXXX kept the money for a period when my plan was cancelled. In otherwords XXXX received money for nothing. This is 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 explanation