vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute unauthorized inquiries on my credit report. These inquiries were made without my consent and are negatively impacting my credit score. Please investigate and remove these unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I assure you, I never authorized these inquiries. Their presence on my credit report is unjust and is making my already difficult situation even harder to bear. I am pleading with you to please remove them as soon as possible. My credit score has already taken a hit, and its affecting my life in ways I never imagined. 

This situation is causing me so much XXXX  and fear. XXXXm afraid that if these inquiries are not removed, my creditworthiness will continue to suffer, and I wont be able to get back on my feet. Im simply asking for fairness and the chance to restore my credit to what it should rightfully be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NV

Complaint narrative:
I am writing in reference to the charge-off account listed on my credit report, identified by the account number XXXX. Upon reviewing my credit report, I noticed that this debt is being reported as a charge-off, despite the fact that it has been discharged. As I understand it, once a debt is discharged and a tax write-off has been taken, it is considered taxable income, and the reporting of this account as a charge-off on my credit report is not only misleading but potentially illegal. 

After consulting with the IRS, I was informed that it is unlawful for you to continue reporting this debt as a charge-off or attempting to collect on it after it has been discharged and reported as taxable income. Such actions could be considered tax fraud, and I will report this matter to the IRS. I have been advised to file IRS Form XXXX to report illegal tax violations by your company. 

I demand that you immediately remove this account from my credit report and provide me with a copy of the Form XXXX that should have been issued to reflect the discharge of this debt. This is necessary for me to audit the information and ensure that you are in compliance with tax laws. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure that the information you furnish is accurate and up to date and fair. By reporting this account as a charge-off without considering the discharge, you are in violation of this provision since reporting income on a report is inaccurate and unfair Any violation of the FCRA entitles the consumer to actual damages and monetary compensation. 

This account must be removed from my credit report immediately. If you fail to comply, I will have no choice but to pursue legal action to seek compensation for each and every inaccuracy. 
Please consider this letter as a formal request to resolve this matter promptly. I expect confirmation of the removal of this account from my credit report and a copy of the Form XXXX within 30 days. Failure to comply will result in further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One advertises in their prospectus filing with SEC a firm offer of credit for note holders. I submitted an application regarding their prospectus, ultimately tendering an asset backed security. Capital one has been trading this security on the secondary market and promised me as the Investor a percentage of interest in the form of monthly dividend payments. Capital One never fully disclosed how I should properly redeem my payment and got mad at me for inquiring about my investment. Capital One proceeded to close my account. they states=d due to delinquency or " some other reason '' that they charged off this account. They stated that the account is permanently closed and the credit line is unavailable. they also stated that i wont accrue more interest or any past due fees and that i am still required to pay off outstanding balance. How do I owe a balance when Capital One promised me a percentage of interest from the trading of my note. Not only did they not fulfill their promised performance they also closed my account with no lawful explanation causing me grave damage and inconvenience. Furthermore, obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy ( HJR 192 of June 5th, 1933 ( Public Law 73-10 HJR-198 48 stat ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-08-15 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : ACCOUNT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of FCRA : Right to Privacy ( 15 U.S.C. 1681a ) : I am concerned that my personal credit information has been mishandled by these entities. Specifically, I believe there has been unauthorized disclosure or mishandling of my credit data, which breaches my right to privacy as protected under the FCRA. The act mandates that credit information be handled securely and only disclosed under permissible circumstances.

Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : I have discovered that these entities may have reported my credit information without obtaining written consent from me, as required by this section of the FCRA. This is a clear violation of my rights, and I request that an immediate investigation be conducted to determine the extent of these unauthorized disclosures.

I request that you provide a detailed explanation of how my credit information has been used, disclosed, or reported, including the parties involved and the basis for any actions taken without my written consent. Furthermore, I ask that any inaccuracies or unauthorized disclosures be promptly corrected, and that you confirm to me in writing that these violations have been addressed. Please also ensure that any negative information resulting from these violations is removed from my credit reports immediately. 

I trust that you will treat this matter with the seriousness it deserves and will take swift action to resolve these issues in compliance with the FCRA. Please respond within 30 days of receipt of this letter to confirm the steps taken. 

Thank you for your prompt attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: Global Lending Services LLC
State: TX

Complaint narrative:
While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX XXXX XXXX XXXXXX/XX/XXXX Global lending Service XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See attached files. I have not authorized any of the inquires outlined in the attached document. Some of these inquires hit my account on numerous dates.

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 2024-08-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had a total of XXXX ATM withdrawal totaling XXXX dollars of unauthorized transactions/ withdrawals from a ATM. I with up load a pic with dates, location and amounts of transactions. I disputed and even appeal it and was denied cause they stated I didnt send in additional information besides the dispute but I did send in the police report which was additional information and had my local department investigate the fraud done to me. They refused to refund me after they did tell me my account was compromised. They also made some errors on there end on the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: ProCollect, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I called Pro Collect about a debt that is owed in the amount of {$150.00}. I was told that no one there can help me and that I had to send an email to XXXX XXXX at XXXX. I was also told I needed to include my SSN in this email, which I WILL NOT. I sent the email with my account number that was given to me by the rep over the phone. Today is XX/XX/year> and there has not been XXXX response from " XXXX XXXX ''. I called Pro Collect again today and was told the same thing that only " XXXX XXXX '' can assist with my account and that I should email him again. This seems to be a stall tactic because why is there no way to pay this debt without me emailing people and wanting me to include my personal information in the email? Since I TRIED to pay this debt but given the run around, I demand this account be removed from all XXXX of my credit bureaus.

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 2024-08-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint.

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 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My identity has been compromised, several accounts has been opened under my name without my authorization or knowledge. I am unaware of these accounts.

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 2024-08-15 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: NY

Complaint narrative:
on XX/XX/24 transunion was notified of the identity theft and has not acknowledged the alleged identity theft. I am requesting the accounts to be removed per FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
on XX/XX/year> XXXX  was notified of the identity theft and has not acknowledged the alleged identity theft. I am requesting the accounts to be removed per FCRA 605B.

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 2024-08-15 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: LA

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief