vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
On XX/XX/XXXX an unknown person attempted to sign up for various loans with my madien name. On my credit reports I had a hard inquiry from XXXX XXXX XXXX XXXX from this. I contacted the company and let them know about the fraud several times and disputed this with all credit buerueas. It has been removed from all except XXXX, where my credit score had dropped. I have contacted XXXX over 10 times and mailed in documents stating the fraud, along with my FTC identity theft report. This still showed on my credit so I called XXXX XXXX  again in XX/XX/XXXX and XX/XX/XXXX received an email from the company saying " We are in receipt of your recent claim of fraud regarding a credit inquiry by XXXX XXXX On XX/XX/XXXX, an application in your name was presented to XXXX XXXX ; however, no loans were underwritten in your name. The account has been updated to reflect your claim of fraud and future transactions on this profile would require a written request from you. 

Furthermore, given your claim of fraud, we have requested the credit inquiry initiated by the application submitted to XXXX XXXX be deleted from your credit report. Please note, it may take up to 90 days for the deletion request to be reflected on your credit report. '' As of today this still reports on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have two application in my XXXX XXXX for more than a year I never apply I never received and they never take out the information from my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I received a summons to appear in court regarding a civil lawsuit that Midland Credit filed against me. I was given 30 days to produce supporting documentation to states reasons why I did not owe the alleged debt. I submitted the documentation to Magistrate within the 30 days. On the day of the trial, I showed up to sign into court and was told that the case had been dropped. I asked why and by whom, and was told that the case was no longer on their records and that Midland did not want to continue and dropped the suit. The Original amount of the alleged debt was {$1200.00}. The court cost of Midland filing the suit was XXXX. Not only have the continued to keep a debt that I do not owe on my credit profile, they have also added the court cost of the suit that they filed and dropped as well. This debt is showing as open and past due as of XXXX XXXX  XXXX account in the amount of {$1300.00}. In the documentation I submitted in XXXX of XXXX, It also stated the alleged debt from my credit reports if the debt was not mine. I have also attached the documentation from the suit as well as the most recent credit report from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Comenity Bank continues to call us on different phone numbers. We block XXXX number and a few hours later they call on another. XXXX time they left a message for a XXXX someone whom we do not know. We have no relationship with commenity and our credit score is XXXX!! We have our number on the XXXX list and have reported them repeatedly!! 
Please help! 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I had a Avant Credit Card and on XX/XX/2023 I paid the card off and close the Account that left me a XXXX balance. On XX/XX/XXXX charge XXXX interest on a XXXX balance. My bill cycle was from XX/XX/XXXX to XX/XX/XXXX which I pay off before the XXXX. 
All I want to do is to remove the XXXX before that start adding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX ll

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 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 A scammer from the account XXXX XXXX on cashapp received {$80.00} from my account $ XXXX after hacking a family members personal accounts and pretending to be them. I reported the fraud. It took cashapp 20 days to respond by telling me they would not give me my money back. Cashapp also allowed the acct to still remain active. I called cashapp to talk in person and they claimed to report the claim but said they will not be giving my money back. They told me vocally on the phone to contact the scammer and request my money back. I asked if they would still keep the scam account active and they said said they would provide no further info and hung up on me while i was talking. Nothing was resolved. The platform allows scammers to thrive and cashapp provides no protections to customers against them which should make cashapp complicit in criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
On XX/XX/2023, I went into my Bank to Deposit a Cashier check I received. An employee of my bank said I could not Deposit the Cashier check.

I received a Cashier Check from a class action law suit regarding a car I bought fifteen years ago. Fifteen years ago when I bought the car, I had to have my mother co-sign for me. When I received the Cashier Check dated XX/XX/2023, from a class action law suit, it has my name and my mothers name on it. My mother did sign the back of the check and so did I. The bank employee said my mother had to be present with her ID in order for me to deposit the cashier check. I told the bank employee that my mother is XXXX XXXX XXXX and lives in XXXX which is over an hour away. I asked if I could XXXX my mother and she could show her ID that way and bank employee said No. I XXXX my mother to tell her what the bank employee is telling me and my mother offered to go to a branch of my bank that is a lot closer to where my mother lives and the bank employee said No and then proceeded to tell me that she needed my mothers thumb print. 
The Bank employee did not help in any way to resolve this matter, the bank employee did not look up my account to see how long Ive been a customer, she would not talk with my mother, she brushed me off and would not help me in any way or my mother who lives over an hour from that bank whose XXXX XXXX XXXX. 
I have a cashiers check dated XX/XX/2023 for the amount {$360.00}, I want to Deposit into my checking account, Please.

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 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
During the latter part of XXXX, 2022, I received a out of state check in the amount of {$87000.00} for deposit. I made the deposit onXX/XX/2022. On that date, I had approximately {$16000.00} in my checking account. I asked if i could issue two checks, certified check and wire transfer each in the amount of {$25000.00} ( {$50000.00} in total ) Huntington Bancshares AKA Huntington National Bank said there was no problem to accommodate my request. At this point, I had the bank issue those to disbursements as well as a withdrawal of {$22000.00} in cash. If the bankers said to me, Sir, you don't have enough cash in your account to withdraw funds, you should wait until your out of state check clears the issuers bank, then we can accommodate your request, I would have stopped all transactions and waited for several days. The bankers did not suggest I wait. On XX/XX/2022, the {$87000.00} check was returned unpaid indicating the check was fraudulent. Perhaps Huntington Bancshares AKA Huntington National Bank should have followed procedures to make sure the out of state check cleared. Huntington Bancshares sent me a letter 5 business days later indicating the illegal check should not have been used to issue any disbursements onXX/XX/XXXXcircumstances.XX/XX/2022. I then engaged XXXX XXXX to help me with these

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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:
I noticed a XXXX Department of ED on my Credit Report in which I am not familiar with

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a XXXX Department of ED on my Credit Report in which I am not familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a XXXX Department of ED on my Credit Report in which I am not familiar with

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I am writing to bring to your attention certain inquiries listed on my credit report and to request their removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). After a careful review of my credit history, I have identified inquiries that I believe are no longer relevant or valid, and their presence on my credit report is potentially detrimental to my creditworthiness. 

The FCRA, a federal law designed to promote fairness, accuracy, and privacy in the reporting of consumer information, grants consumers the right to dispute incomplete or inaccurate information on their credit reports. As outlined in Section 611 of the FCRA, I am exercising my right to request an investigation into the inquiries that are attached I believe these inquiries no longer reflect my current credit-seeking activity or financial interactions. It is crucial for my creditworthiness and financial well-being that my credit report accurately represents my credit history. Therefore, I kindly request that TransUnion thoroughly investigates these inquiries and, if they are found to be invalid or unauthorized, remove them from my credit report. 

Enclosed with this letter, please find supporting documentation, such as cancellation letters or account closure confirmations, to substantiate my claim that these inquiries are no longer relevant. I trust that these documents will assist in your investigation and facilitate a prompt resolution to this matter. 

In accordance with the FCRA, I kindly request that you provide me with a written explanation of the results of your investigation, along with an updated copy of my credit report reflecting the removal of the disputed inquiries. Additionally, I would appreciate it if you could notify any potential creditors who have accessed my report within the past six months of the correction made to ensure the accuracy of their records. 

I firmly believe in the importance of accurate credit reporting, and I trust that TransUnion will handle this request with the utmost professionalism and diligence. I look forward to a swift resolution and the restoration of my credit report 's integrity. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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:
I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and XXXX has violated my rights. 

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 an account without my written instructions.

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 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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and XXXX has violated my rights. 

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 an account without my written instructions.

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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, 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:
I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and XXXX has violated my rights. 

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 an account without my written instructions.

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 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 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Midland Funding LLC on XX/XX/XXXX, showing a balance of {$1500.00}. Midland Funding LLC failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Midland Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 explanation