vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: MO

Complaint narrative:
I have checked my credit report and I have discovered fraudulent account being reported, these fraudulent accounts are XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, these account are fraudulent and I request them to be removed as they are affecting my credit score.

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my credit card with CapitalOne in XX/XX/year>. CapitalOne, however, kept my account open for an additional two months submitting incorrect data to credit bureaus that I was late on my payment, and charging me late fees, and interest. I contacted CapitalOne in XXXX as soon as I saw my credit score drop by over XXXX points. The representative over the call confirmed the error and promised that CapitalOne would close my account, waive all fees, and submit corrections to the credit agencies. The representative also asked for me to call back in a week to request CapitalOne mail. When I called back, I was told that I needed to mail a written letter and the correction documents would take another 6 weeks. CapitalOne has failed to provide adequate support to correct the error made by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
XXXX - an attorney replied to this with nothing but nonsense. Fraud charges have been filed with the DA of XXXX and the reports have been sent to XXXX XXXX, XXXX XXXX, the NEW law firm that is representing XXXX so why Aldrige Pite is even responding makes that a crime because he doesn't represent anyone. 

The documents with the Superior Court have the NEW law firm, and it's not this dude on the above complaint. 

The attached document has my handwriting from when I received it AND send copies to XXXX and XXXX. 

And all my complaints in the past that sound like Aldrige Pite but were some offshoot, it's because I didn't have documents in front of me and I am correcting those errors now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My capital one venture credit card was closed abruptly without warning. I received a notice in the mail posted for XX/XX/XXXX. I called Capital XXXX number to speak with a rep and management about the matter of reopening my account. Due to a returned payment from mistakenly using the incorrect account and soon after fix the mistake with the correct account after resulted in my account being closed. I spoke with a rep and management stating XX/XX/XXXX to discuss the payment that posted on XX/XX/XXXX and to call back XX/XX/XXXX to speak with a supervisor to reopen account. I called XX/XX/XXXX to be told by a fraud supervisor " their is nothing they can do to reopen the account '' even though my statement is paid off for the month owing {$0.00} with no late payments on the account since I had they card.I am unable to use my {$1000.00} in rewards that I accrued after spending an absorbent amount on the card and paying it off ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in 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 non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
It's been a long time that I have been trying to fix the errors on my report and yet my requests to correct and remove false and inaccurate information keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. 

Legal Basis for the Complaint : XXXXXXXX XXXX XXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. 

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. 

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. 

Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. 

Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 
US DEPT EDXXXX U S DEPT OF ED/XXXX U S DEPT OF EDXXXX US DEPT EDXXXX US DEPT ED-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report I'm requesting a 1099-c from the following charged off accounts listed below Oportun/Prog XXXX after checking my most current report the information stated the acct was purchased by XXXX XXXX XXXX XXXX XXXX this acct can not be reported as a charge off on my credit report if the acct was sold to another lender please send the 1099-c form

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Subject : Demand for Deletion of Inaccurate Information and Request for Validation of Debt Dear whom this may concern, I am writing to formally dispute inaccurate information reported on my credit report and to demand the deletion of this information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified accounts that I believe are inaccurately reported. I am requesting that you conduct a thorough investigation into these discrepancies. Specifically, I challenge the validity of the debts associated with these accounts and demand proof of their validity, including : A copy of the original contracts with my wet signature. 
Documentation proving that I applied for these alleged credit accounts. 
These requests are made under the FCRA, which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Failure to provide this evidence constitutes a violation of 607 ( b ) of the FCRA, which states that agencies must follow reasonable procedures to ensure maximum accuracy. Additionally, under 623 ( a ) ( 6 ) of the FCRA, you are required to investigate disputes and provide timely responses.

If you are unable to provide the required documentation to substantiate these debts, I demand that you immediately delete the disputed accounts from my credit report. Please confirm the deletion in writing.

I expect a response within 30 days as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

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 2024-09-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Subject : Demand for Deletion of Inaccurate Information and Request for Validation of Debt Dear whom this may concern, I am writing to formally dispute inaccurate information reported on my credit report and to demand the deletion of this information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified accounts that I believe are inaccurately reported. I am requesting that you conduct a thorough investigation into these discrepancies. Specifically, I challenge the validity of the debts associated with these accounts and demand proof of their validity, including : A copy of the original contracts with my wet signature. 
Documentation proving that I applied for these alleged credit accounts. 
These requests are made under the FCRA, which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Failure to provide this evidence constitutes a violation of 607 ( b ) of the FCRA, which states that agencies must follow reasonable procedures to ensure maximum accuracy. Additionally, under 623 ( a ) ( 6 ) of the FCRA, you are required to investigate disputes and provide timely responses.

If you are unable to provide the required documentation to substantiate these debts, I demand that you immediately delete the disputed accounts from my credit report. Please confirm the deletion in writing. 

I expect a response within 30 days as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, XXXX XXXX XXXX XXXX XXXX, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I attended XXXX XXXX which has since closed down. I received a discharge of all of my federal loans through Navient because of this decision. However, I still have two loans that are private. I was made aware of the School Misconduct Discharge program Navient was offering so I completed the application and sent in as much information and documents as I could on XX/XX/year>. It took over a month to receive a response, which was a denial with no real reason given. I requested clarification and an appeal, neither of which were acknowledged. I also requested copies of my original applications, promissory notes, master promissory notes and original disclosure statements on XX/XX/year>. These requests were also ignored. I included more information on my application and resubmitted it on XX/XX/year> and to date have yet to receive any type of response but Navient it now requesting payment on these two loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately.15USC CODE 1681 The inquiries in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: SC

Complaint narrative:
I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : 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 a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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