vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following Items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Today as i was checking on my credit report i noticed items that i have never been a consumer of or gave anyone written permission to use my information to take anything out. 
Portfolio Recovery Assosiates is listed as one of these items {$330.00} I am here today asking for VERIFICATION, my original signature of contract or agreement with the company listed above. 
Please note that the company listed above does NOT have a license to do business in my residing state, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
On or about Monday, XXXX XXXX XXXX, I called Capital One Billing Disputes Department to request that they update all credit bureau reporting agencies to remove an old and outdated dispute flag that still appears on my account. 

Whenever I access my credit report, under the remarks section appears : " Dispute resolved ; reported by grantor. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: AZ

Complaint narrative:
I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018.

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 2024-01-27 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: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Capital One Billing Disputes Department to request that they update all credit bureau reporting agencies to remove an old and outdated dispute flag that still appears on my account. 

Whenever I access my credit report, under the remarks section appears : " Dispute resolved ; reported by grantor. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone got a hold of my social security number and has been trying to get credit cards and loans in my name that I did not authorize it is now on my credit report and as hard inquiries and I need them removed I also need to know how to get Identity theft protection as well as getting a copy of my tenant screening so that I can make sure that everything on that is correct

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have been unable to view my current credit report since XX/XX/2023 and Ive applied for credit and the banks said theirs an error pulling the reports. Ive called experian, mailed them letters and requests disputed online and they say its not their fault and i need to contact the lenders. My other 2 reports are fine with XXXX and transaction. I dont understand the problem.

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 2024-01-27 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: AZ

Complaint narrative:
I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$560.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018.

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 2024-01-27 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: AZ

Complaint narrative:
I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I recently opened an account with citizens bank and there are a lot of fraudulent charges on my debit card, totaling up to XXXX. I am a student and this is my fees money that I had been saving and deposited all my money in their bank. My school will withdraw my application and cancel my admission and life would be over if I dont pay my fees this week. I need help and my money back. All these charges are fraudulent. I have never in my life used XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
First Source has reported these discrepancies on my credit report illegally because when I chose to opt out from them reporting anything to third party companies, they did not comply and it states in US Code Title 15 Chapter 94 ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. The company has reported inaccuracies to my credit report fraudulently. I requested a contract and have never received anything on the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am writing to let you know I'm so sorry about a recent incident that happened to an order I placed at XXXX. I have been mistakenly billed for products that were never delivered to me or picked up by me. I have made repeated attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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 am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief