vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the urgent removal of fraudulent items from my credit report. 

Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I am deeply concerned about the potential consequences of this unauthorized activity. 

I have taken immediate steps to address this issue by contacting the credit reporting agencies and reporting the fraudulent activity. However, despite my efforts, the credit reporting agencies have failed to take swift action to remove these fraudulent items from my credit report. 

Given the urgency of this matter and the potential harm it could cause to my financial well-being, I request that you intervene to expedite the removal of these fraudulent items from my credit report. I urge the credit reporting agencies to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the fraudulent activity on my credit report, including reimbursement for any unauthorized charges or fees incurred. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX OAK XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX, AZ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My capital one 360 checking account got restricted on XX/XX/2023 when I was trying to make withdrawals, I called Capital one bank and I was told my account has been frozen and therefore theyre going to conduct an internal review on the account before they could send me a check of my good funds since theyre going to close the account Ive been trying to get my check for the funds in the account for my bills but Capital one is not going to get me the check any time soon, and I think thats an irregular and irresponsible way to treat a customer because theyre keeping my money for over 6 months

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below.

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 2024-03-11 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: Synovus Bank
State: FL

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 I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

First Progress Card XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-03-11 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unknown inquiries from my credit report. 

Despite my repeated efforts to dispute these unauthorized inquiries with the credit reporting agencies, the inquiries remain on my credit report, adversely affecting my creditworthiness and financial standing. The persistence of these unknown inquiries is deeply concerning, as they suggest potential unauthorized access to my credit information. 

I have diligently followed all procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these inquiries, providing detailed explanations and supporting documentation to prove their unauthorized nature. However, the credit reporting agencies have failed to take appropriate action to remove these inquiries from my credit report. 

Given the seriousness of this matter and the potential implications for my financial security, I request that you intervene to expedite the removal of these unknown inquiries from my credit report. I urge the credit reporting agencies to conduct a thorough investigation into these inquiries and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of these unauthorized inquiries, including reimbursement for any costs incurred in disputing these inquiries and potential financial losses resulting from unauthorized access to my credit information. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
- I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-11 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unknown inquiries from my credit report. 

Despite my repeated efforts to dispute these unauthorized inquiries with the credit reporting agencies, the inquiries remain on my credit report, adversely affecting my creditworthiness and financial standing. The persistence of these unknown inquiries is deeply concerning, as they suggest potential unauthorized access to my credit information. 

I have diligently followed all procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these inquiries, providing detailed explanations and supporting documentation to prove their unauthorized nature. However, the credit reporting agencies have failed to take appropriate action to remove these inquiries from my credit report. 

Given the seriousness of this matter and the potential implications for my financial security, I request that you intervene to expedite the removal of these unknown inquiries from my credit report. I urge the credit reporting agencies to conduct a thorough investigation into these inquiries and take immediate action to rectify the situation. 

Furthermore, I request appropriate restitution for any damages suffered as a result of these unauthorized inquiries, including reimbursement for any costs incurred in disputing these inquiries and potential financial losses resulting from unauthorized access to my credit information. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file 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
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently check my credit report saw late payment I dont recognize

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 2024-03-11 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: KY

Complaint narrative:
I acknowledge the partial removal of fraudulent items from my credit file, originating from alleged fraudulent activities, yet several entries remain that necessitate deletion. As a victim of fraudulent activity, I am submitting an additional request for the removal of these items in compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the elimination of such entries no later than four business days following XX/XX/XXXX. This issue has been previously highlighted in my correspondence and FTC report, now reinforced with a new FTC Report # XXXX. The details of the items still listed, which are unfamiliar to me and have been expunged by other bureaus, raise concerns regarding their validity. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. This communication serves as a formal notice and complaint. Failure to remove the aforementioned items will compel me to pursue legal action. My legal counsel has been informed of these intentions and is prepared to address your noncompliance through litigation. This notice is issued as a new request for the deletion of entries stemming from alleged fraudulent activity.

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 2024-03-11 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: KY

Complaint narrative:
I acknowledge the partial removal of fraudulent items from my credit file, originating from alleged fraudulent activities, yet several entries remain that necessitate deletion. As a victim of fraudulent activity, I am submitting an additional request for the removal of these items in compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the elimination of such entries no later than four business days following XX/XX/XXXX. This issue has been previously highlighted in my correspondence and FTC report, now reinforced with a new FTC Report # XXXX. The details of the items still listed, which are unfamiliar to me and have been expunged by other bureaus, raise concerns regarding their validity. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. This communication serves as a formal notice and complaint. Failure to remove the aforementioned items will compel me to pursue legal action. My legal counsel has been informed of these intentions and is prepared to address your noncompliance through litigation. This notice is issued as a new request for the deletion of entries stemming from alleged fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I made a purchase with affirm to purchase a product from XXXX. I was charge the full amount for the product at the store by using my credit card. I contacted Affirm to credit the amount back due to me paying at the store. I was told to continue making payments to prevent late payments until the funds are returned back to affirm from XXXX. This continued for 6 months. The loan was paid but I never received my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: IN

Complaint narrative:
Even though I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, there still remain items that urgently need removal. Again, as a victim of fraud, I hereby request again, the deletion of remaining items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXXXXXX XXXX XXXX This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report XXXX XXXX Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am not happy with the support I received when I tired to changed my bank account. I will file a complaint with our Federal Regulators on my account.

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 2024-03-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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