vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: IL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have tried numerous times to dispute this with you to no avail. It is the result of identity theft. 

( XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX {$260.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX {$400.00} Opened XX/XX/XXXX ) ( XXXX  {$250.00} Opened XX/XX/XXXX ) ( XXXX XXXX {$300.00} Opened XX/XX/XXXX ) ( XXXX XXXX  {$460.00} Opened XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ) ( XXXX XXXX XXXX  XXXX {$1200.00} Opened XX/XX/XXXX ) ( XXXX XXXX  {$880.00} Opened XX/XX/XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report from the XXXX Police Department and proof of my identity/address. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXXour business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2024-08-29 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: DE

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Was CO  days late XXXX time ( XXXX ). Was CO  days late XXXX time ( XXXX ). 
In Dispute US DEPARTMENT OF EDU ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX - - Was CO days late XXXX time ( XXXX ). 
In Dispute XXXX XXXX XXXX ( Original Creditor : XXXX  ) - - XXXX XXXX Was CO days late XXXX time ( XXXX ). 
In Dispute XXXX XXXX XXXX XXXX XXXX - Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). 
In Dispute I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
RentDebt Automated Collections - XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXX XXXX  XXXX XXXX. In XX/XX/XXXX, I put in my 60 days notice to the property after hearing about break ins at the property. ( XX/XX/XXXX ). During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX XXXX Police Department ( Case # XXXX XX/XX/XXXX ) and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by RDAC regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly. I contacted the management company that purchased XXXX XXXX  XXXX XXXX  ( XXXX XXXX, purchased in XX/XX/XXXX ) and had no knowledge of the company or debt. I also reached out to the new company of the address ( XXXX XXXX XXXX XXXX ) and they also have no knowledge of the company or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
This was done over line years ago. I had no knowledge of it until the person who took out loan stopped paying and moved.They said I co-signed! I never signed anything! It appeared on our credit and we tried contacting Naviant numerous times. Also contacted XXXX, XXXX etc. to get it removed. They contact Naviant and they take Naviants word that says that we owe it and I get nothing done. This has gone on for years. I suspect that I had great credit and am related to this person was the reason it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
EARLY IN XXXX WE WERE LOOKING FOR TEMPORARY HOUSING IN THE XXXX NY AREA ; WE WERE LIVING IN FL AT THAT TIME AND ANTICIPATING A VISIT WITH FAMILY IN NY. WE FOUND A POSSIBLE PROPERTY ON XXXX ON OR ABOUT XX/XX/year> AND SUBMITTED A RESPONSE. SUBSEQUENTLY RECEIVED A RESPONSE FROM FROM A XXXX XXXX, CLAIMING TO BE THE OWNER, CONFIRMING THAT THE HOUSE WAS AVAILABLE FOR RENT FOR OUR DATES. ORIGINAL LISTING ON XXXX INCLUDED PICTURES OF THE HOUSE AND PROPERTY ; COPY OF HIS EMAILED RESPONSE OUR INQUIRY ON XXXX, attached XXXX XXXX OFFERED THE FOLLOWING IN AN EMAIL INSTRUCTING HOW WE SHOULD SEND DEPOSIT USING XXXX. 

Hello, Here is the information on my wife 's account. 
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX Account Number : XXXX Routing Number : XXXX Bank name : XXXX ALL FUNDS WERE TRANSFERRED FROM OUR SUNTRUST BANK XXXX XX/XX/year> $ XXXX MONTH VIA XXXX BANK XXXX. SAME AS ABOVE XXXX {$100.00} PARTIAL LAST MONTH RENT AS ABOVE XX/XX/year> {$500.00} BALANCE OF LASRT MONTH RENT XXXX AS ABOVE XX/XX/year> XXXX SECURITY DEPOSIT XXXX AS ABOVE. 

WE AGREED ON AN ARRIVAL DATE AND KEPT HIM UPDATED AS OUR PLANS CHANGED. 

AT SOME POINT IASKED HOW WE WOULD GET ACCESS UPON OUR ARRIVAL ; HIS RESPONSE ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Hi, Upon arrival the keys will be handed to you by the property management company and all necessary details will follow. 

I have an offer for you, If you can come up with another 2 months rent now I will fortit the next month 's rent in the future. Let me know if you are interested ASAP as the reason is a family emergency. Thank you. 



NOTE HE ATTEMPTED TO GET MORE MONEY UPFRONT. 


UPON ARRIVAL WE FOUND THAT THE PROPERTY WAS OCCUPIED BY SOMEONEWHO HAD RECENTLY PURCHASED IT AND IT WAS NOT AVAILABLE FOR RENT. THE OCCUPANT TOLD US THAT WE WERENT THE FIRST PEOPLE TO SHOW UP EXPECTING TO RENT THE HOUSE, SHE HAD DISCOVERED THAT SOMEONE HAD TAKEN THE PICTURES OF THE PROPERTY OFF THE ZILLOW LISTING AND USED THEM TO CREATE THE 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 2024-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Global Processing Services, LLC
State: AZ

Complaint narrative:
I had started paying for an old debt that was undisclosed completely. I was alright until I got into a financial crunch and could not pay them. I also decided to look them up on your cite and found they had been cited by you all for previously charging clients for accounts they did not owe. Thats my main complaint on this company and another company that has been charging and the amount of the money doesnt seem to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX  Account # XXXX In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.

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 2024-08-29 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: OneMain Finance Corporation
State: NV

Complaint narrative:
One Main Financial - Account : XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that One Main Financial failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) One Main Financial is reporting on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-29 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: GA

Complaint narrative:
DATE : XX/XX/2024 RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY.

THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR.

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX  : XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE.

I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, 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 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Small Business Checking Account. 

Case # XXXX I am a yacht broker. My client wired {$810000.00} ( in XXXX transactions ), the last of which was XX/XX/XXXX. 

I sent a wire disbursing the funds to the seller on the morning of XX/XX/XXXX. I recieved a confirmation message promising funds transfer by XXXX that day. 

I communicated that to my client and the selling broker. 

On the night of the XXXX when I checked my account, I saw that Capital One held the wire and froze my account. They say it's because I did not provide a Business Certificate with my new address.

I submitted all of the supporting forms within 48 hours.

I was forced to discern what documents might solve the issue by combing the case notes with the help of the customer service operators. No formal or written communication has been received from Capital One at the time of this writing.

Now seven days later, Capital One refuses to communicate the status of the investigation, nor a target date for resolution. I am only told " there is no timeframe ''. I am calling now less than 3 times per day. Each call lasts XXXX to XXXX minutes. 

In the meantime, the transaction is still held up, and. I am being threatened with losing the sale ( or worse ). My bills go un-paid. My rent goes unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
I am filing this complaint because several fraudulent accounts remain on my credit report despite my efforts to have them removed. I have already filed an FTC Identity Theft Report regarding these accounts, but they continue to appear on my report, causing significant harm to my credit. 

These accounts were fraudulently opened in my name without my consent or knowledge. Despite submitting the FTC Identity Theft Report and notifying the credit bureaus, these fraudulent accounts have not been removed. This ongoing issue is severely impacting my ability to rent an apartment for my children, as my credit report is being unfairly tarnished by these fraudulent accounts.

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