vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Affidavit to report 1 fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NY

Complaint narrative:
The application for a Discover Card was submitted in my name today and I did not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXXXXXX XXXX Date opened XXXX ) ( XXXX date XXXX XXXX XXXX  XXXX XX/XX/year> ) Please remove this fraudulent account and inquiers from my credit report. 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 non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I the process to stop a check for {$1000.00} which showing as uncashed my account and not pending. It was to a construction company who we fell into dispute and it was agreed- no work was to be done so the check was to remain uncashed. As a caution I stopped the check via the Citibank banking portal. My concern is with Citibank who did not show the charge as debited or pending a debit on my account as XXXX XX/XX/year>, I received notification that check had been stopped, however on XX/XX/year>, check appears as debited from my account as XX/XX/year>, contradicting confirmation that the check had been stopped. This is misleading to the customer, I called to complain about the discrepancy and delay in posting which is misleading, they apologized and said there is nothing they can do, but will take my feedback.

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 2024-11-10 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: CORELOGIC INC
State: NJ

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

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 2024-11-10 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: LEXISNEXIS
State: NJ

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX . 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXXXXXX XXXX  Date opened XXXX ) ( XXXX date XXXX XXXX XXXX XXXXXXXX XX/XX/year> ) Please remove this fraudulent account and inquiers from my credit report. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXXXXXX XXXX Date opened XXXX ) ( XXXX date XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) Please remove this fraudulent account and inquiers from my credit report. 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 2024-11-10 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information appearing on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This violates my consumer rights to privacy, as they have no lawful basis to report anything associated with my name.

Additionally, there are unauthorized inquiries on my credit report that I did not initiate, indicating a case of identity theft. Under 18 U.S.C. 8, I do not owe any debt to these entities and demand the immediate removal of the items and inquiries in question to correct my credit report. 

Please address this issue promptly and confirm the removal of the disputed entries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I have send company letters to send proper validation and what sources were used for validation. I continue to be sent letters of statements or that it has been validated, but no proof. Please get them to send valid proof and or source used, or delete from my credit report according to the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report even after an initial investigation. The inaccuracies are highly injurious to my XXXX XXXX. This Capital one account ending XXXX was charged off on the following date of XXXXXXXX XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. This inaccurate information falsely manipulates the statue of limitations. Capital One Bank failed to investigate this account properly and the neglect has violated my rights. This account is not mines and should not be reflected. 

XXXX : Capital One XXXX ..... 
XXXX : Capital One XXXX .... 
XXXX : Capital One XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I checked my credit reports and I saw a collection account and i disputed it with the credit agencies, and it came back verified, so I wrote the collection company and asked to delete the account because the collection company did not give me a chance to dispute it, that is a violation, the company replied to me by saying that they will notify the credit agencies that the account is dispute, but I requested the deletion of that account because of multiple violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
In the what happened box write : I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, XXXX, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
I recently received communication from Jefferson Capital Systems LLC attempting to collect an alleged debt. 
Please be advised that I hereby dispute the validity of the alleged debt in its entirety. Jefferson Capital Systems LLC is illegally attempting to collect the alleged debt and money that I do not owe. 

Further more, pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

Jefferson Capital Systems LLC has no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. 
Further more, Jefferson Capital Systems LLC is attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I WANT TO DISPUTE ABOUT XXXX DIFFERENT ACCOUNT AND XXXX INQUIRIES THAT AFFECTING MY ACCOUNT AND CREDIT REPORT AS A SXXXX XXXX XXXX XXXX XXXX  LATE PAYMENT CAUSE I WAS IN XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; I AM XXXX  TO MY EX WIFE SHE THE OWNER XXXX XXXX ; XXXX WIFE ACCOUNT NOT MINE. 


I WOULD LIKE YOU TO REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I WANT TO DISPUTE ABOUT XXXX DIFFERENT ACCOUNT AND XXXX INQUIRIES THAT AFFECTING MY ACCOUNT AND CREDIT REPORT AS A XXXX XXXX XXXX  ; CAR LATE PAYMENT CAUSE I WAS IN XXXXXXXX XXXX XXXX XXXX XXXX XXXX I AM DIVORCED TO MY EX WIFE SHE THE OWNER XXXX XXXX ; XXXX WIFE ACCOUNT NOT MINE. 


I WOULD LIKE YOU TO REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT

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 2024-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: AMERIPRISE BANK, FSB
State: MA

Complaint narrative:
Pleased see attached letters and documents with the information necessary to look into a fraudulent case against me with XXXX XXXX XXXX, now known as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On Saturday, XX/XX/year>, I called Bank of America and spoke to an associate. I asked her to close my Savings Account, as I no longer require it. I specified the account in 3 different ways : by mentioning " Savings Account '', by saying that it is the account with XXXX balance, and by specifying the last 4 digits of the account number.

However, despite these clear instructions, the associate deleted not only my Savings account, but also my Checking Account which had all my funds. This happened with immediate effect, and I was left without any money for bills, groceries or any other use, whether routine or emergent.

I called Bank of America again and spoke to an associate immediately after noticing this. The associate said she put in a request to restore my Checking Account, however, this request will be processed by " Monday or Tuesday ''. I requested to speak to her supervisor, who the associate spoke to and then got back to me, saying that her supervisor said there is nothing they can do to help me other than put in a request to restore my account. The supervisor did not directly speak to me. 

This huge blunder by their associate, their lack of understanding of the difficult situation the customer has been placed in due to their mistake, and the lack of any mechanism in place to urgently deal with these incidents has placed me in a huge predicament. Institutions, particularly big institutions such as this, should have mechanisms in place to deal with emergent situations like this in an urgent manner, but clearly Bank of America does not have such policies in place. This has caused me intense anguish and worry, for I am without any money for the next 2-3 days, if the request is actually processed within this timeframe.

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 2024-11-10 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 file a complaint regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by the credit reporting agencies ( CRAs ) XXXX, Equifax, and XXXX. 

****THIS COMPLAINT IS SPECIFIC TO EQUIFAX **** I recently investigated my credit report and found several inaccurate accounts/ creditors in my report. As outlined in the Privacy Act of 1974, consumers are entitled to certain privacy protections regarding their personal information. I believe that the CRAs have violated my privacy rights by not adequately protecting my information and failing to notify me of how my personal data is being used or shared without my explicit consent, as further supported by 15 USC 1681. Under 15 U.S. Code 1681e ( b ) Accuracy of Report -Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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 shalli ) 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.

15 U.S. Code 1681i ( a ) ( 1 ) requires the CRA to investigate any disputed information, including inaccurate late payments, within 30 days of the dispute being filed. 15 U.S. Code 1681i ( 5 ) ( A ) mandates that if the CRA or creditor finds that the disputed late payment information is inaccurate or unverifiable, it must be promptly deleted or corrected.

***PLEASE SEE THE ATTACHED LIST OF ACCOUNTS***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint against TransUnion due to their failure to properly investigate an inaccurate bankruptcy record on my credit report. I provided documentation from XXXX, showing they receive bankruptcy data directly from TransUnion as a reseller, not as an independent source from the court. Despite this evidence, TransUnion has kept the inaccurate bankruptcy record on my report without a complete and clear verification process. 

I requested a full method of verification, as outlined under the Fair Credit Reporting Act ( FCRA ), which requires TransUnion to provide specific information about how the bankruptcy was verified, including the name and contact information of the verifier and details about the verification process. TransUnion has not provided this information, which I believe constitutes a lack of compliance with FCRA guidelines and raises concerns about the accuracy of my credit report. 

In addition to disputing the bankruptcy record, I am requesting that an outdated address be removed from my report, as it no longer reflects my current residence. I have provided documentation to verify my current address, but TransUnion has not responded appropriately to my request. 

I am seeking CFPB assistance to ensure that TransUnion complies with FCRA requirements by properly investigating my dispute and providing a transparent response.

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 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
i emailed this company i disputed on many credit reporting sites and they have not fixed this or sent me the information i request they send me information of when they bought the debt and dont fill out the last payment date and on the affidavit of sale it has no account number or even my name to verify it was my account they are in violation of The XXXX Fair Debt Collection Practices Act in California they also sent me letters that looked like a lawyers office

Company response to consumer: Closed with explanation