vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
Re : Follow-up Complaint Regarding Equifax 's Failure to Block Fraudulent Information Previous CFPB Case # : XXXX To Whom It May Concern : I am filing this follow-up complaint against Equifax for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding a fraudulent XXXX account ( Account # XXXX ) on my credit report. 
Facts : I have previously submitted all required documentation to establish this as identity theft : Police report FTC Identity Theft Affidavit Proof of my actual identity I filed a previous CFPB complaint ( Case # XXXX ) regarding this issue Equifax 's response failed to address the blocking requirement under FCRA 605B The fraudulent account continues to appear on my credit report Bridgecrest themselves refuse to provide information about the account, citing my identity theft report Legal Basis : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block the reporting of information identified by a consumer as resulting from identity theft within four business days of : Receipt of proper identification from the consumer A copy of an identity theft report Identification of the fraudulent information A statement by the consumer that the information is not from transactions they made I have fulfilled all these requirements, yet Equifax has failed to implement the required block. 
Equifax 's response to my previous complaint ( " WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM '' ) demonstrates a fundamental misunderstanding of their obligations under 605B. The blocking requirement for identity theft is separate and distinct from the standard dispute process under 611. The courts have consistently held that credit reporting agencies must treat identity theft block requests differently from standard accuracy disputes ( see FTC v. Credit Bureau Center , LLC, 937 F.3d 764 ( 7th Cir. 2019 ) ). 
Requested Resolution : Immediate blocking of all information related to the fraudulent XXXX  account ( Account # XXXX ) as required by FCRA 605B Written confirmation of the blocking action taken Distribution of corrected reports to all entities that have received my credit report in the last six months I reserve all rights under the FCRA and other applicable laws. Please ensure this complaint receives proper attention as a 605B blocking request rather than a standard dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> I ' am writing to request and investigation of the following accounts, I have never opened or use the accounts listed below. " I'm requesting the following information be deleted from my Early Warning report immediately. I attached a copy of my report to this request. I have listed the accounts and the inquiries as well. Pls see attached accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TRANSUNION Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : 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 2024-11-09 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the slience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX  bal. {$220.00}, XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX bal. {$630.00}, XXXX XXXX XXXX XXXX BAL. {$370.00}, XXXX XXXX XXXX XXXX bal. {$190.00}, XXXX XXXX bal. {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the slience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  XXXX bal. {$220.00}, XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX  bal. {$630.00}, XXXX  XXXX XXXX XXXX BAL. {$370.00}, XXXX XXXX XXXX XXXX bal. {$190.00}, XXXX XXXX bal. {$1500.00}

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 explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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 an account without my written instructions.

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 2024-11-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Re : Follow-up Complaint Regarding XXXX 's Failure to Block Fraudulent Information Previous CFPB Case # : XXXX To Whom It May Concern : I am filing this follow-up complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding a fraudulent XXXX account ( Account # XXXX ) on my credit report. 
Facts : I have previously submitted all required documentation to establish this as identity theft : Police report FTC Identity Theft Affidavit Proof of my actual identity I filed a previous CFPB complaint ( Case # XXXX ) regarding this issue XXXX 's response failed to address the blocking requirement under FCRA 605B The fraudulent account continues to appear on my credit report Bridgecrest themselves refuse to provide information about the account, citing my identity theft report Legal Basis : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block the reporting of information identified by a consumer as resulting from identity theft within four business days of : Receipt of proper identification from the consumer A copy of an identity theft report Identification of the fraudulent information A statement by the consumer that the information is not from transactions they made I have fulfilled all these requirements, yet XXXX has failed to implement the required block. 
XXXX 's response to my previous complaint ( " WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM '' ) demonstrates a fundamental misunderstanding of their obligations under 605B. The blocking requirement for identity theft is separate and distinct from the standard dispute process under 611. The courts have consistently held that credit reporting agencies must treat identity theft block requests differently from standard accuracy disputes ( see FTC v. Credit Bureau Center , LLC, 937 F.3d 764 ( 7th Cir. 2019 ) ).

Requested Resolution : Immediate blocking of all information related to the fraudulent XXXX  account ( Account # XXXX ) as required by FCRA 605B Written confirmation of the blocking action taken Distribution of corrected reports to all entities that have received my credit report in the last six months I reserve all rights under the FCRA and other applicable laws. Please ensure this complaint receives proper attention as a 605B blocking request rather than a standard dispute.

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 2024-11-09 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:
Re : Follow-up Complaint Regarding XXXX 's Failure to Block Fraudulent Information Previous CFPB Case # : XXXX To Whom It May Concern : I am filing this follow-up complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding a fraudulent XXXX account ( Account # XXXX ) on my credit report. 
Facts : I have previously submitted all required documentation to establish this as identity theft : Police report FTC Identity Theft Affidavit Proof of my actual identity I filed a previous CFPB complaint ( Case # XXXX ) regarding this issue XXXX 's response failed to address the blocking requirement under FCRA 605B The fraudulent account continues to appear on my credit report Bridgecrest themselves refuse to provide information about the account, citing my identity theft report Legal Basis : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block the reporting of information identified by a consumer as resulting from identity theft within four business days of : Receipt of proper identification from the consumer A copy of an identity theft report Identification of the fraudulent information A statement by the consumer that the information is not from transactions they made I have fulfilled all these requirements, yet XXXX has failed to implement the required block. 
XXXX 's response to my previous complaint ( " WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM '' ) demonstrates a fundamental misunderstanding of their obligations under 605B. The blocking requirement for identity theft is separate and distinct from the standard dispute process under 611. The courts have consistently held that credit reporting agencies must treat identity theft block requests differently from standard accuracy disputes ( see FTC v. Credit Bureau Center , LLC, 937 F.3d 764 ( 7th Cir. 2019 ) ).

Requested Resolution : Immediate blocking of all information related to the fraudulent Bridgecrest account ( Account # XXXX ) as required by FCRA 605B Written confirmation of the blocking action taken Distribution of corrected reports to all entities that have received my credit report in the last six months I reserve all rights under the FCRA and other applicable laws. Please ensure this complaint receives proper attention as a 605B blocking request rather than a standard dispute.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Negative Accounts to be immediately removed : XXXX XXXX - Closed - XX/XX/XXXX - Acct # XXXX - Balance {$1000.00} Hard Inquiry to be immediately removed : XXXX XXXX XXXX : Inquired on XX/XX/XXXX, Address : 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 explanation
Consumer complaint received 2024-11-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MA

Complaint narrative:
I have had ab account with NAVIENT for maybe XXXX  years, paying my daughters student loan. Parent plus. I ended ip paying a lot more money than I ever borrowed for her schooling I got emails saying that student loans had to be up to date by XXXX before NAVIENT would be notifying the credit bureaus. Did it have to do with a government put in place I was not sure? 
In XXXXwas running behind XX/XX/year> I paid XXXX that would pay XXXX loans on line I missed XXXX and XXXX ( having to pay other bills ) I thought I would catch up. I paid again XX/XX/year> XXXX for XXXX loans XX/XX/year> XXXX for XXXX loans on line again I started hearing from my credit bureaus ( that I worked so hard to keep a good credit score ) that I was 90 days behind. I called NAVIENT many many times with no help They said the payment XXXX paid only XXXX loan and they would correct.they did not Then messages from credit bureaus I was 120 days late. I COULD NOT BE BECAUSE on XX/XX/year> I borrowed money and paid off the one they said I was late on. ( I had to because I had no protection from this company ) My credit rate dropped over XXXX points and my credit cards started lowering my available credit This has destroyed me and I have no help against these people. Mohela has now taken over these accounts. PLEASE PLEASE Help me against these people

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. There are a lot of credit inquiries recently from XXXX to XXXX that I didnt authorize.

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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Hello... 
.I have not suppl ied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I May presume that no proof of alleged Debt nor therefore such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). 
Timeline of Communications : XX/XX/2024 : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/2024, at XXXX XXXX  XX/XX/2024 : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.

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