vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
This is a formal complaint regarding Experians failure to properly investigate disputes related to inaccuracies on my credit report. Despite submitting three disputes, Experian has failed to : Provide documentation or evidence to show how the disputed items were verified or updated. 

Add the legally mandated " notice of dispute '' to the accounts in question, violating the FCRA. 

I have included copies of my disputes and Experians responses ( or lack thereof ) for your reference.

Experians failure to comply with their obligations under the FCRA has caused me financial and emotional distress.. I urge the CFPB to investigate Experians handling of my disputes and enforce corrective actions as necessary.

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 2024-12-28 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-28 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C.

1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : :

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 2024-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
XXXX XXXX National Credit Adjusters Subject : Cease and Desist Letter Regarding Debt Collection Activities - Lack of Chain of Title Dear National Credit Adjusters, This letter constitutes a formal cease and desist letter regarding your debt collection activities related to the alleged debt of [ Account Number or Description of Debt, if known ]. 

I believe your collection efforts may be unlawful due to a lack of a valid " chain of title. '' Specifically : I dispute your ownership of this alleged debt. 
I request that you provide me with verifiable documentation demonstrating a clear and unbroken chain of title proving your legal right to collect on this debt. 
This documentation should include proof of how the debt was transferred from the original creditor to your agency. 
Until you can provide satisfactory evidence of your ownership of this debt, I demand that you immediately cease all collection activities related to this alleged debt, including : All phone calls, emails, and letters to me. 
All contact with my employer or any other third party. 
I further request that you provide me with the following information in writing within days of receiving this letter : The name of the original creditor. 
A copy of the original contract or agreement. 
A verification of the amount owed. 
A detailed statement of all payments made. 
Please be advised that I will not hesitate to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission XXXX FTC ), if you continue to engage in unlawful or harassing debt collection activities. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: DE

Complaint narrative:
I have recently examined a copy of my credit report and identified fraudulent accounts listed. I kindly request the removal of these accounts from my report as they are negatively impacting my creditworthiness.

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 2024-12-28 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: TN

Complaint narrative:
I have informed Equifax over the last few months that they are reporting false and invalid information on my credit report that they refuse to update! Do I need to hire an attorney? Late payments connected to the XXXX XXXX XXXX XXXX XXXX # XXXX account is false! I spoke to the company and they verified that I was NOT XXXX days late! Update this to reflect the truth, or I will be contacting an attorney! 
Equifax did NOT verify anything with the company! If the DID, they would know that I have not been late with this creditor three times! They are unlawfully hurting my credit by reporting invalid and untrue information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> Capital One did unauthorized a {$100.00} withdrawal from my personal checking account for a credit card that I did not open or have. I called Capital One customer service asking why and how Capital One withdrawal that XXXX XXXX.Captial One told me that someone open a credit card account on XXXX and that there also three other accounts with outstanding balance over {$6000.00}. I told capital one to freeze and close those accounts and that I never open those accounts. I never received any credit card, and no emailed or no mail from Capital One. I filed a identify theft and fraud police report on XX/XX/XXXX. I also called my bank about the fraud and identify theft. I pulled my credit report and found address I never lived at and phone number that I don't know. I put a freeze on my credit report and this someone try to open new credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ] [ XXXX, XXXX  XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Complaint and Demand for Compensation for Inaccurate Reporting Dear Equifax Compliance Department , I am writing to formally address significant inaccuracies in my credit report related to two XXXX XXXX XXXX XXXX XXXX. Despite previous attempts to rectify these issues, Equifax continues to report erroneous information that adversely affects my credit rating and violates federal and state laws. 

**Details of Misreporting : ** XXXX. **Inaccurate Account Status** : Equifax reports my XXXX XXXX as " XXXX days or more past due, '' despite both accounts being closed, verified as having a zero balance, and involved in litigation. 

XXXX. **Violation of Reporting Period** : These accounts have been reported beyond the legal seven-year limit established by the Fair Credit Reporting Act ( FCRA ), infringing on my rights as a consumer. 

**Legal Grounds for Compensation : ** - **FCRA ( 15 U.S.C. 1681n ) ** : This statute stipulates that consumers are entitled to damages when a credit reporting agency willfully fails to comply with FCRA requirements, allowing for statutory damages of up to {$1000.00} per violation.

- **FCRA Reporting Requirements** : As outlined in 15 U.S.C. 1681c, derogatory information must be removed from credit reports after seven years. Your failure to comply with this timeline constitutes a violation of my rights. 

In light of the above infractions, I demand compensation totaling ** $ XXXX : - ** {$1000.00} for each FCRA violation** ( totaling {$2000.00} ). 
- ** {$13000.00} for the ongoing emotional and financial damages** caused by these inaccuracies. 

**Resolution Sought : ** I request immediate correction of my credit report to reflect accurate information and compensation for damages incurred. Please provide acknowledgment of this complaint and a corrective action plan within XXXX days**. 

Failure to address this matter will compel me to seek further legal remedies. Thank you for your immediate attention to this. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
I have checked my credit and I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-28 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report 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 2024-12-28 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I was involved with an app called XXXX ( Bet on headlines ) ( mobile app ), I first found out about it through an advertisement, I soon tried it out since I had seen it was a legal app authorized by the government officials, well I put in {$220.00} into my account considering you can take it out at any given time, I thought to myself, Well, there is not much of a risk, even if I lose something I will only loose minor fees. As soon as I put my money in, it had soon shot up profiting {$40.00} USD, when I went to go sell it had authorized me but kept having issues, bugging, glitching, freezing, logging me of the app, I know this was not my phone as it was fully charged, I had good connection with the internet but as soon as I went on this app all problems let loose, at XXXX all my money went to $ XXXX XXXX freaked out, I waited until XXXX for my funds to recover I was able to get my funds and submit cashout to my {$220.00} as soon as I did so, the screen froze for over 2 minutes, reloading my screen, of course I freaked out and did my absolute all to get back in it, but as soon as I was back on it all my funds were gone turning into $ XXXX this was truly a scam, I have all proof and provided it to my bank, my bank is so lazy and does not do anything at all to help me they never do even thought I have never charge backed anything, they still give the benefit of doubt to XXXX a scam company I have done my all to contact head support, which saw and read all my evidence, they themselves felt as if it was unfair and admitted to it, they checked all my account details proving that I was telling the truth, XXXX XXXX still ignored me at the end and only said sorry for the situation, he is trying to dodge this with his team as much as possible since they are still such a small team, they don't have a clue about the system of a support team, they only ignore and will come up with an excuse non related to the incident please stay away from XXXX and I had no control over it, and it is Legal!!! I find this unbelievable, and I just need help getting awareness ; this has been a nightmare mentally.

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 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed I have fraudulent accounts on my credit report. Please remove these items they're hurting my ability to obtain credit. I do not have a contract with any collection agency.

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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Both me and my wife opted-in the Chase XXXX XXXX after reading carefully about the promotion terms. 
After spending {$1000.00} ( XXXX at each account ). 
Neither my nor my wife 's accounts get the promised XXXX Chase reward points. 
It makes sense that my account hasn't received it yet since my reservation 's travel date is next XXXX. However, my wife 's account also didn't receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
my rights have been violated as a consumer u.s.c 1666b timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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