vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX credit bureau is reporting a fraud account on my credit report from XXXX XXXX. I have disputed this account several times with the credit bureau. However, they have not responded back to me. I reported that this is a fraud account that is showing as a charge off on my credit report in the amount of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX credit bureau is reporting a fraud account on my credit report from XXXX XXXX. I have disputed this account several times with the credit bureau. However, they have not responded back to me. I reported that this is a fraud account that is showing as a charge off on my credit report in the amount of {$17000.00}.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that TransUnion block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC 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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Transunion XXXX XXXX XXXX  XXXX, XXXX  XXXX DOJ STATE OF OREGON DIVISION OF CHILD SUPP. XXXX XXXX XXXX. XXXX, XXXX  XXXX Re : Account : # XXXX Account # XXXX Account # XXXX Pre-Arbitration Notice To whom it may concern, I have been hired to represent XXXX XXXX XXXX in this matter. We have authorization from the client to communicate with you and settle claims on his behalf. 
This notice shall serve as a notice and cure as well as a pre-arbitration notice. Attached is a copy of the true and accurate complaint which is intended to be filed with the arbitrating venue. 
Please note the allegations stated herein are pending the re-investigation results from Transunion. 
Claims and relief can be found in the attached complaint. We are looking to handle this matter quickly and amicably ; however, we are prepared to file with the arbitrating venue in the event that we are not able to resolve this matter. 
Respectfully, 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 2024-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
In XXXX, I received a call from a lady wanting to discuss a debt. I informed the lady I do not verify information over the phone, for her to send all information via mail. She stated that she would just contact my employer and hung up. I called the number back and spoke with a person claiming to be the office manager. She would not give me the name of the company but said she was an attorneys office conducting business as collections XXXX in South Carolina. I made several calls back until the phony number ( XXXX ) was removed. I never received any information from the collection agency, but, on XX/XX/2024 I was notified by XXXX XXXX that LVNV funding had placed a negative account on my XXXX for {$750.00} with them lvnv named as original creditor with account open XXXX XXXX. I have never received any information from this company or have not done any business with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OR

Complaint narrative:
Called number on fraudulent card and requested it be closed. Passed around a group of people and never was able to report fraud.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three credit bureaus : XXXX, Equifax, and XXXX are reporting a fraud account from XXXX XXXX in the amount of {$1900.00}. This is not my account it is a result of identity theft. I have disputed this fraud account several times with the three credit bureuas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three credit bureaus : XXXX, XXXX, and Experian are reporting a fraud account from XXXX XXXX in the amount of {$1900.00}. This is not my account it is a result of identity theft. I have disputed this fraud account several times with the three credit bureuas.

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 2024-08-11 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: CA

Complaint narrative:
XXXX an individual opened a credit card with my personal information in capital one ( venture card ) after receiving the email immediately contacted capital one asking to cancel the card. Wasnt aware of this I am not the one who opened the account. Capital one sent me a letter stating they will investigate an subsequently sent a letter of closure. They have failed to, do, so,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Target bank is showing a balance of XXXX and this account was discharged in bankruptcy. I should be showing a XXXX balance because I am no longer liable for the debt under chapter XXXX bankruptcy laws. I would like Target to change this incorrect to show XXXX it it ruining mt credit worthiness to purchase a home. 
Account number XXXX A bankruptcy discharge is granted by the bankruptcy court to release the debtor permanently from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The debtor will usually automatically receive a discharge, excepting there is litigation involving objections to the discharge. The discharge prohibits the creditors from taking any form of collection action on discharged debts, including legal action and communications with the debtor. If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter. A creditor can be sanctioned by the court for violating the discharge injunction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying 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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Urgent Request for Assistance with Equifax - Human Trafficking Victim Dear Sir/Madam, I am writing to seek your urgent assistance regarding a distressing issue I have been facing with Equifax. As a victim of human trafficking, I have made numerous attempts to have fraudulent accounts, opened against my will, removed from my credit report. Unfortunately, Equifax has not addressed these issues despite my efforts, and this is significantly hindering my ability to rebuild my life and support my child as a single mother. 

The following accounts, which were fraudulently opened in my name while I was under duress, remain on my credit report : XXXX XXXX Account Number : XXXX XXXX Amount : {$5100.00} XXXX  XXXX XXXX Account XXXX : XXXX Amount : {$2200.00} XXXX Account Number : XXXX XXXX Amount : {$2700.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Amount : {$10000.00} XXXX XXXX  XXXX XXXX XXXX 
Account Number : XXXX XXXX Amount : {$5600.00} XXXX XXXX Account XXXX : XXXX XXXX Amount : {$60000.00} XXXX XXXX Account Number : XXXX XXXX Amount : {$17000.00} XXXX XXXX XXXX Account Number : XXXX Despite providing Equifax with detailed documentation and information about my victim status, the accounts have not been removed. It appears that Equifax 's process is inadequately addressing the unique needs of trafficking survivors and is, in fact, creating additional barriers for us as we try to move forward. 

Given the situation, I kindly request that the CFPB intervene to ensure that Equifax fulfills its obligations to victims of human trafficking by removing these fraudulent accounts from my credit report and revising their process to better accommodate individuals in my position. 

Thank you for your attention to this urgent matter. I appreciate your support in helping me and others in similar circumstances rebuild our lives and secure a better future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying 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 non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying 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 non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, data furnishers are required to provide complete and accurate information to credit reporting agencies. Reporting an incorrect or inflated amount, particularly after a charge-off, constitutes a violation of this statute. If the balance includes fees, interest, or charges that are unlawful or inaccurately represented, it must be corrected or removed from my credit report. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 2 ), debt collectors are prohibited from making false or misleading representations about the amount, character, or legal status of a debt. If the reported amount includes unlawful fees, interest, or other charges, it is a violation of this federal law. My rights have been violated under the Fair Debt Collection Practice Act and Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Amount : XXXX I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying 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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$480.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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:
They have Incorrectly posted multiple late payments on my report for open and closed accounts : Open accounts : XXXX Closed accounts : XXXX XXXX XXXX - When I requested proof i was late, it was never provided and credit report not updated. I have never made a late payment in my life so this report is inaccurate and Id like the file updated to paid on time respectively. Especially the car loan which was paid off completely they didn't report for over 8 months then all of a sudden i had a handful of late payments leading up to paid in full. These are ALL inaccurate. I need everything removed and fixed please.

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