vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: RI

Complaint narrative:
I am writing to file a formal complaint against Experian a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of THD/CBNA account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
recently l locked at a copy of my credit report and noticed inaccuracies on my account this account is hutting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as cocurate XXXX XXXX XXXX as shown on your report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
recently l locked at a copy of my credit report and noticed inaccuracies on my account this account is hutting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as cocurate XXXX XXXX XXXX as shown on your report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: OR

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft due to a recent data breach, which has led to several fraudulent accounts and unauthorized inquiries appearing on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts to Be Deleted : XXXX. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX. Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$74.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a Capital one credit card for a while. This situation occurred before. I paid my bill. There was an XXXX  on my account which was satisfied due to my error, I've never been late on these accounts ; however it was closed due to fraud. Please explain to me how is it fraud when I'm paying from my own bank account and have never been late. Capital one has instructed me to continue paying the account ; so what does not make sense is that they will accept money from me but list my account as fraudulent. This is ridiculous. Please explain how people can get these accounts, never pay them, and then give them another on after a year of it being charged off that's fraud. I am not a fraud consumer. If my bank thought it was fraud I would no longer have that account. I use this same account for all my bills and have been for years. All I want is to get my accounts back and I will limit my since this is the norm. I'm trying to build my credit and can't have this on me. I appreciate you all working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : Experian XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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 2024-11-19 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: OH

Complaint narrative:
I am writing to file a formal complaint against XXXX and Experian for their refusal to remove inaccurate and unauthorized information from my consumer report despite multiple attempts to dispute these errors. These actions have caused significant harm to me, including the denial of credit, and I am seeking compensation under the Fair Credit Reporting Act ( FCRA ). 

The information in question is inaccurate and was never authorized by me. I have initiated disputes with both XXXX and Experian, yet despite my efforts, neither agency has provided me with the required debt verification letters or removed the erroneous information. According to the FCRA, specifically Section 1681i ( a ), I am entitled to dispute inaccurate information on my credit report, and the agencies are obligated to conduct a reasonable investigation and correct or remove any information that can not be verified as accurate. 

Despite providing all relevant documentation to both agencies, neither XXXX nor Experian has verified the debt or offered sufficient proof that the information they are reporting is accurate. Both agencies have failed to send the debt verification letters within the timeframes required by law. As stipulated under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if the information can not be verified within 30 days, it must be removed from my consumer report.

Furthermore, these actions have had a severe negative impact on my financial well-being. I have been denied credit on multiple occasions due to the presence of this inaccurate information on my consumer reports. This has caused both financial distress and emotional harm, as I am being unfairly penalized for inaccuracies that I have disputed in good faith. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of XXXX and Experian, enforce the provisions of the FCRA, and ensure that these inaccuracies are corrected and removed from my reports. I also request that I be compensated for the damages I have incurred as a result of their failure to adhere to the requirements set forth by the FCRA Section 1681 ( n ) & 1681 ( o ) Please let me know if any additional information is needed for this complaint. 

Thank you for your prompt 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 2024-11-19 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: NY

Complaint narrative:
I have fraudulent accounts on my credit report, that I reported to 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 yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : 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 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 2024-11-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX  sent to myself and my husband a letter along with documents stating that Carrington Mortgage Services has put my property into foreclosure. I also received a possible property fraud alert text on XX/XX/XXXX in regards to a new document being recorded in my County Recorders Office. I went to the courthouse and printed out a copy of the document recorded, XXXX, On this document that either XXXX XXXX XXXX  or Carrington or Wilmington drew up to be recorded is INACCURATE, it states that myself and my husband, XXXX, are the original borrowers, and they reference a deed of trust that was signed with XXXX  XXXX XXXX XXXX, on XX/XX/XXXX, document number XXXX, this document was signed by both of us, as GRANTORS not borrowers, I am the only borrower, he only signed acknowledging the document because we are married and he is on the warranty deed, the Promissory Note that goes with this deed of trust was ONLY SIGNED BY ME, XXXX XXXX, therefore for them to include my husband XXXX as a borrower is FRAUDULENT. They also advertised a foreclosure sale in the newspaper and we learned of this through a neighbor, neither Carrington nor XXXX XXXX sent any notification of an auction being already scheduled. This can effect my husband and myself, being that I am self employed with my business on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX - requested a list of documents and after 30 days they still have not responded. 

XX/XX/XXXX - notified them that the debt is inaccurate and documents do not properly validate debt XX/XX/XXXX - requested from of how the {$600.00} was calculated. Midland responds with a simple statement that does not validate the amount they are requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, my Citibank debit card was placed on hold without prior notification. I visited a branch, and the staff assured me my account was fine and that my card could still be used with a PIN. I withdrew funds that day without issue. However, the next day, my transactions failed, and I discovered that both my debit card and online banking access had been locked. 

I contacted the fraud department as instructed. They claimed they needed to verify my identity but stated they could not use the phone number on filedespite this being the number I provided when opening the account. They informed me that a reference letter would be sent to confirm my identity, which would take XXXX business days. 

It has now been over two weeks, and I have not received the promised letter or regained access to my account. I have repeatedly contacted Citibank 's fraud department, spoken to my branch manager, and involved my account manager, but no one has been able to resolve this issue. 

How This Has Impacted Me Financial Losses : I have been unable to access my funds, causing missed business opportunities and losses exceeding tens of thousands of dollars.

I have fallen behind on bills and other financial obligations.

Personal and Family Hardship : This situation has severely disrupted my ability to provide for my family.

Steps Ive Already Taken Visited the local Citibank branch to speak with the manager. Contacted the Citibank fraud department multiple times. Reached out to my account manager.

Sent a formal complaint letter to Citibank ( attached ).

Despite these efforts, Citibank has failed to resolve this matter or provide meaningful updates.

Desired Resolution Immediate restoration of access to my account and funds.

A full explanation of why my account was locked and why my funds were withheld. 
Compensation for financial losses incurred due to the banks delays and mismanagement. 
I appreciate your attention to this matter and look forward to your assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
chimes made an adjustment {$3300.00} off my account on XX/XX/year>. They hung up on me twice and I dealt with them for 4 months trying to get my money back. They were giving me the runaround told me it went to lost funds or lost cash. I checked on those websites, couldn't find it. Then 3 months later they told me it went back to my XXXX XXXX  which I No longer had an account. I called XXXX XXXX. They said they never received it. I called them back. Asked them for proof of who cashed it. They hung up on me. Call them back and asked him to give me the claims department so I can file a claim. They refuse to do that to transfer me to a claims department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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 pulled my credit report and realize there was some fraudulent activity, I would like the account remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It's been over 30 days and these accounts are still showing inaccurate balances which is stopping opportunities for real estate deals. I've attached the correct balances for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update these balances as soon as possible so I can close on a property for a great rate. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
It's been over 30 days and these accounts are still showing inaccurate balances which is stopping opportunities for real estate deals. I've attached the correct balances for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update these balances as soon as possible so I can close on a property for a great rate. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
It's been over 30 days and these accounts are still showing inaccurate balances which is stopping opportunities for real estate deals. I've attached the correct balances for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update these balances as soon as possible so I can close on a property for a great rate. Thanks.

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