vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of 5 closed accounts. These fraudulent accounts are with XXXX XXXX opened on XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It was also noticed that the addresses and names on the account were also not recognized. These accounts have resulted in several fraudulent hard inquires, soft inquiries and fraudulent collection appearing on my consumer FICO credit report Everything questioned is listed as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, soft or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been requesting that the following accounts be removed from my credit report due to them being a result of identity theft and fraud but has since been settled and for my credit report to be updated. The following accounts have XXXX balance to this date but are still reporting negatively on my report which is hindering me from purchasing my first home. I would also like the following inquiries removed as well. 
Closed accounts that should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in result of identity theft . Asked for proof of ownership as well as a signed agreement. The original creditor sold this account to a different company who was also unable to provide a purchase agreement, proof of ownership and any other documentation I asked for. This is not my account therefore this collection should be removed immediately. 
XXXXXXXX XXXX  XXXXThis account was opened in result of identity theft. I asked for proof of purchase as well as a signed agreement and was not provided with anything. This is not my account therefore it should be removed immediately. 

The inquiries that should be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-10-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$380.00} XX/XX/year> 15 U.S.C, 1681section 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 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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-10-29 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XXXX an order was delivered to the incorrect address. I contacted the third party for a refund or order replacement but received neither. I contacted the card company I used for the transaction- Cash App, for a Chargeback request and was immediately denied without review of my supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation of Violations under 16 CFR 313, FERPA, and the Privacy Act Regarding Unauthorized Credit Reporting Dear CFPB Team, I am writing to request an investigation into violations of my rights under the Code of Federal Regulations, specifically 16 CFR 313, as well as additional protections afforded by the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974. These rights are being violated by DISCOVER BANK. 
Under 16 CFR 313, certain rights are granted to me, including the right to opt out of information sharing that may impact my credit report. However, I am also protected by FERPA and the Privacy Act, which strictly regulate the sharing of my educational and personal information.

To outline my concerns : Notice of Right to Opt-Out ( 16 CFR 313 ) : I was not provided with a clear and conspicuous notice of my right to opt out of information sharing with credit reporting agencies. Under 16 CFR 313, such a notice i
s required and must be provided within 30 days, giving me ample time to respond if I choose to decline the sharing of my information.

Protections under FERPA and the Privacy Act : FERPA and the Privacy Act of 1974 explicitly prevent educational institutions from sharing personal information, including credit-related data, without my consent. Schools are prohibited from disclosing my information to third parties, including credit reporting agencies, without prior authorization.

Violation of Opt-Out Rights and Privacy Protections : By failing to provide an opt-out notice and disregarding protections under FERPA and the Privacy Act, my rights to privacy have been breached. I believe that any entries on my credit report resulting from unauthorized information sharing should be removed in accordance with these federal regulations.

Given the overlapping protections from 16 CFR 313, FERPA, and the Privacy Act, I respectfully request that the CFPB investigate these practices and ensure my rights are upheld. I further request the immediate removal of any items on my credit report that were shared without my explicit consent, as mandated by law. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing these concerns. 

Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXXFurthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days

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 2024-10-29 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: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Transunion for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. Details of Communication and Timeline of Non-Response : 1. Initial Dispute - On XX/XX/year>, I sent Transunion a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Transunion failed to respond within the 30-day investigation period required by law. 2. Second Request for Reinvestigation - XXXX XX/XX/year>, after not receiving any response from Transunion, I sent a second letter asking them to reinvestigate my initial dispute. Again, Transunion did not respond or communicate any action taken. XXXX. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final one on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from Transunion regarding my dispute. Under the FCRA, consumer reporting agencies like Transunion are legally obligated to : - Investigate disputed information within 30 days ( or 45 days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, Transunion has far exceeded this timeframe, ignoring four separate letters and my legal right to an investigation. - Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do. Transunions lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile. For the CFPB 's review, I am enclosing all letters sent to Transunion, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate Transunion 's failure to comply with FCRA guidelines within the legally required timeframe. Transunions lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.

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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. 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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: MA

Complaint narrative:
My CreditKarma account was previously hacked, and I spent several days trying to recover my funds and close both the checking and savings accounts. On XX/XX/year>, I contacted CreditKarma to permanently close my account, and they assured me a specialist would reach out via email ; however, I never received any follow-up. Recently, I received phishing calls requesting a 6-digit verification code to " prevent a break-in attempt, '' which I blocked. Yet, the account remains open, and there appears to be a security flaw in the system allowing unauthorized attempts despite my changing the password to a new, unique one. I am requesting that my CreditKarma account be permanently closed as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. 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 non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a credit card letter from capital 1 in my email I didnt apply for Ive XXXX in the last month so I have no idea if someone has tried using my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: Premium Credit Bureau
State: NY

Complaint narrative:
I have XXXX hard inquiries on my credit report that I did not authorize. 
-Premium credit bureau ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XXXX XXXX, XXXX ) -XXXX XXXX  ( XXXX XXXX, XXXX ) These companies ran my credit without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
A notice was put on my door and I contacted both XXXX & XXXX and XXXX  to try and resolve the issue. XXXX referred me back to XXXX & XXXX several times. I requested documentation from XXXX & XXXX including but not limited to information on the original debt, any terms and conditions I agreed to with XXXX, and a payment plan. 

The payment plan was provided several weeks after the initial conversation and was dated XXXX week after the initial conversation but was not delivered until XXXX weeks later. When I reached out to the via email, they ignored it several times. I then sent them a more demanding email letting them know I would file a complaint against them for bad debt collection practice and once again requesting the terms of service and this time insisting that I have an arbitration clause. XXXX & XXXX has once again ignored my request for documentation. I have an active court date approaching and I am of the belief that they do not have the right to sue me for this. 

By ignoring my requests for documentation, they are forcing me to appear in court to get a default judgement against me.

Company response to consumer: Closed with explanation