vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have the Capital One One Spark Credit Card, and this card does not give me a traditional credit limit, instead it says very plainly " there is no preset spending limit '', however, once I spent {$10000.00} on it, I was unable to spend any more money on it, upon calling and speaking with Capital One customer support today, XXXX, XXXX : XXXX. They are telling me that there is in fact, a secret preset spending limit that they are not advertising. This was never made available to me, the consumer, that there was in fact a preset spending limit, despite being told specifically that 'there is no limit '. 

I want this language stricken from this, its extremely misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit 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 2024-11-26 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 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: FL

Complaint narrative:
I am writing to formally dispute the continued presence of a settled account from XXXX XXXX XXXX on my credit report. In XX/XX/year>, I reached a settlement agreement with XXXX XXXX regarding the auto loan account ( # XXXX ), under the understanding that the account would be removed from my credit report upon settlement. However, the account remains on my credit report as " Paid in settlement '' with associated negative payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I contacted this company on XX/XX/XXXX & XX/XX/XXXX & asked them to remove the false inquiries from my report, to no dismay they havent. They even Rung me over to Lowes company that they issue credit for & a Rep there told me they see no application on file for me & havent Since I had a card threw them in XXXX. Synchrony is the one Posting on my Reports they allowed them on XXXX XXXX XXXX on XX/XX/XXXX. Please instruct them to Remove these Fake Fraudulent Inquiries from my Credit Report. Thank you

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 2024-11-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Information Due to Data Breach Dear XXXX, I am writing to formally dispute certain information on my credit report due to a potential impact from the data breach that occurred in XXXX. I believe that my personal information, including but not limited to my Social Security number, date of birth, and financial data, may have been compromised during this breach. The following accounts are a result of my information being impacted : XXXX XXXX : XXXXXXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Details : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Social Security Number ( if relevant ) : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX request that XXXX thoroughly investigate any discrepancies or fraudulent activity on my credit report that may have resulted from this breach. Please include a detailed explanation of any inquiries or accounts that were opened using my information without my authorization. 

Additionally, I ask that you provide me with the following : A copy of my credit report showing any inaccurate or potentially fraudulent entries related to the data breach. 
A description of the actions XXXX has taken to prevent future incidents of identity theft or fraudulent use of my personal data. 
Confirmation that my personal data has been protected and steps taken to ensure that no further damage occurs. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX complete its investigation and provide me with a resolution within 30 days from the receipt of this letter. Please send all correspondence to the address listed above, or feel free to contact me via phone or email if further information is required. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

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 non-monetary relief
Consumer complaint received 2024-11-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Information Due to Data Breach Dear XXXX, I am writing to formally dispute certain information on my credit report due to a potential impact from the data breach that occurred in XXXX. I believe that my personal information, including but not limited to my Social Security number, date of birth, and financial data, XXXX have been compromised during this breach. The following accounts are a result of my information being impacted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Details : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Social Security Number ( if relevant ) : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX request that XXXX thoroughly investigate any discrepancies or fraudulent activity on my credit report that may have resulted from this breach. Please include a detailed explanation of any inquiries or accounts that were opened using my information without my authorization.

Additionally, I ask that you provide me with the following : A copy of my credit report showing any inaccurate or potentially fraudulent entries related to the data breach. 
A description of the actions XXXX has taken to prevent future incidents of identity theft or fraudulent use of my personal data. 
Confirmation that my personal data has been protected and steps taken to ensure that no further damage occurs. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX complete its investigation and provide me with a resolution within 30 days from the receipt of this letter. Please send all correspondence to the address listed above, or feel free to contact me via phone or email if further information is required. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

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 2024-11-26 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:
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 15 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 may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

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 2024-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
I assumed the loan on my own home in XXXX of XXXX  and Freedom Mortage deleted my account and has yet to create a new one or give me access to see my information. They claim they deleted the account after I assumed the loan to " protect the previous loan holder, '' however, I am the previous loan holder. 

I can not log in to pay, communicate, download statements, or see tax documents or any of my information pertaining to my home loan unless I call them and ask for it. Again, the account was originally under my name to begin with. They said they would remedy it in a few weeks, but I have called them month after month trying to get it fixed with no answers.

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 2024-11-26 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: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-11-26 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. Fraudulent accounts and unauthorized inquiries have been opened in my name without my consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file immediately : Accounts to be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-11-26 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> a deposit was made in a stand alone atm for Truist bank located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Cash was inserted into machine. No receipt was given. Reported the {$700.00} missing from my account and was given a provisional credit pending investigation. On XX/XX/year> it was debited back out my account with no notice given. Spoke to customer service over the phone and was directed to bank. Bank advised me that they didn't confirm with 3rd party Brinks of any overages at that ATM. This isn't confirming I wasn't there and money wasn't enter by bank themselves. I'm requesting bank to pull camera footage from that day between the hours of XXXX XXXX  est to around XXXX XXXX. My son made the deposit for me driving a XXXX XXXX He can be described as a XXXX XXXX  with 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