vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Opened the business account in XX/XX/year> which reports to my personal credit. Applied for increase in XXXX and letter stated I would need to have account opened for 3 months before increase could be considered. Applied for increase today - XX/XX/year> and letter declining stated : " Your financial obligations reported to us by the credit reporting agency are too high ''. I immediately downloaded my XXXX credit report because I knew this information was incorrect. My income reported is $ XXXX ; Mortgage payment is {$5700.00} ; and all other debts are paid off to include auto and credit cards. My current credit score with XXXX was reported as XXXX. Asked Capital One how did they come up with this determination and what was the debt-to-income standard they use to make their determination since they stated it wasn't credit score. I stated this account is paid in full every month- so why the decline determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/year>, I submitted a 605B deletion request to Equifax through CFPB complaint # XXXX. This request included all necessary documentation, such as a sworn crime report, proof of identity, and proof of address, to block fraudulent information from my credit report due to identity theft. However, as of today, no action has been taken on my request, which should have been processed within XXXX business days according to FCRA Section 605B. 

On XX/XX/XXXX, I called Equifax and spoke with Supervisor Sham ( Case # XXXX ) to follow up on the status of my 605B deletion request. I was informed that the dispute was still under investigation. On XX/XX/XXXX, I called again and spoke with Supervisor XXXX ( XXXX # XXXX ), who also told me that the investigation was ongoing. I reminded him that FCRA 605B mandates no further investigation is required from creditors once a sworn identity theft affidavit and supporting documentation are submitted. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX # XXXX ), who claimed to be the highest-level authority available to discuss my case. XXXX informed me that my 605B identity theft dispute could not be blocked, and I would need to wait for 30 days for the investigation to close. I explained that, per the law, the investigation should not be necessary for a 605B deletion request, but he said there was nothing more he could do.

This raises serious concerns about the handling of my 605B request, as I believe it is being improperly treated as a standard dispute rather than an identity theft deletion request, which should have been addressed within XXXX business days. Additionally, I believe this failure to act violates FCRA Section 605B.

Furthermore, I have submitted complaints to credit reporting agencies ( CRAs ) regarding accounts that are the result of identity theft and should not be on my report. These accounts were allegedly " verified '' without any transparency regarding the sources used for verification. Under FCRA 611, I request that the CRAs provide the sources of information they relied upon in verifying these disputed accounts. If the CRAs can not produce valid sources, I demand that all contested items be removed from my credit report, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I am writing to formally express my deep concern regarding the unresolved disputed accounts on my credit report. Despite my repeated requests for thorough investigations into the inaccuracies I have identified, no corrective actions have been taken thus far. These erroneous entries are negatively impacting my credit file and significantly affecting my ability to manage my financial obligations and lead a normal life. 

The ongoing presence of these inaccuracies has created immense hardships, and I am left with no choice but to ask for your immediate assistance in resolving this matter. I kindly urge your organization to conduct a detailed review of each of the disputed accounts on my credit report and take the necessary steps to correct any errors without further delay. 

It is critical that the accuracy and integrity of my credit report be restored as soon as possible so that I can regain control over my financial health. I sincerely request that this matter be given your highest priority and that swift action is taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. I greatly appreciate your support and cooperation in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credible Labs Inc.
State: VA

Complaint narrative:
Credible XXXX  management XXXX knowingly defrauded consumers by staff who violated anti-kickback statutes

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX FCU - XXXXXXXXXXXXX*** XXXX - XXXX XXXX  amp XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX/XXXX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-10-03 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: NE

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-03 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
I reached out to Equifax to understand why they were displaying XXXX separate hard credit inquiries with XXXX different mortgage lenders. 

The information on their website states that all new mortgage loans are generally counted as XXXX inquiry for a given period of time ( 14 - 45 days ). 

I asked them why they were not displaying these XXXX separate hard credit inquiries as XXXX inquiry as is mentioned on their website : https : //www.equifax.com/personal/education/credit/report/articles/-/learn/understanding-hard-inquiries-on-your-credit-report/ I was told that this was not true by an agent named XXXX, saying that these mortgage lenders hard inquiries are supposed to be showing as XXXX separate inquiries even though they were pulled within a couple of days of each other in XX/XX/year>. As you can see, this information is not in-line with information that displays on their website. These are showing as XXXX separate inquiries and as a result has hurt my credit. 

I escalated the call and spoke to a " XXXX '' who did not seem to understand what I was saying and kept mentioning that they can only file a dispute on my behalf if these inquiries are fraudulent. 

They did not seem to understand that I was not questioning whether or not the inquiries were fraudulent- they are not fraudulent. They refused to listen to me when I shared that the way they were reporting this information is not accurate. 

I kept telling her this was not the issue and to please transfer me to a department that could better understand that the hard inquiries are not displaying correctly on my account. She refused to do so and started to speak in a way so that I could not understand her even though I repeatedly told her I did not understand what she was saying. She also refused the escalate the call. Very unprofessional and felt that I was being pushed aside. I will not stop until my account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MS

Complaint narrative:
-I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

3. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine please delete. 

4. 1. Account Name : XXXX BANK Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the past due 30 days XXXX time update the this account to Paid or paying as agreed. 

5. Account Name : XXXX XXXX  Account Number : Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my TRANSUNION, XXXX & XXXX account. Please provide proof of the XXXX late and update the paid or paying as agreed status on this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2024-10-03 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: MS

Complaint narrative:
-I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

3. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine please delete. 

4. 1. Account Name : XXXX BANK Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my EXPERIAN account. Please provide proof of the past due 30 days XXXX time update the this account to Paid or paying as agreed. 

5. Account Name : XXXX XXXX  Account Number : Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX, EXPERIAN & XXXX account. Please provide proof of the XXXX late and update the paid or paying as agreed status on this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2024-10-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
Although I'm on the XXXX plan, on XXXX XXXX I received a notice from Mohela of {$310.00} a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
XX/XX/year> I call talked to XXXX a rep from Experian I was trying to update my credit report with new home address and tried to correct the multiple names on my credit report I was told I'm not allowed to update information because its being report to them they just displaying. 

I TRYING TO UPDATE MULTIPLE NAMES ON MY REPORT i should be only one and my current address

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 2024-10-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-10-03 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: TN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief