vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
Dear XXXX, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX / XXXX Email : XXXX DOB : XXXXXXXX  SSN : XXXX Driver 's License : XXXX Place of birth Idaho XX/XX/XXXX Capital One Customer Care XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Re : Application ID : XXXX Dear Capital One Customer Care Team, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : XXXX XXXX 2. Date of Birth : XX/XX/XXXXXXXX  3. Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX 4. Email : XXXX 5. Phone Numbers : XXXX / XXXX 6. Social Security Number : XXXX 7. Driver 's License Number : XXXX Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. 
I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. It is evident that your original verification, attributing the information to the court, was either an error or a misrepresentation. Regardless, the information does not meet the reporting requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 USC Section 1681 ).

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 2024-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
Optio Solutions LLC. I had an outstanding balance on a down payment on vehicle. Which was {$10000.00}. I was Told by the collection agent that once I paid the balance down I could settle it by only paying {$5000.00}. I only owe based on the settlement amount {$1300.00} base on the settlement amount the XXXX and I had. I had XXXX back in XX/XX/year> which I did explain to XXXX explained that I would be out of work for a couple of weeks was on XXXX  XXXX. I returned to work back in mid XXXX however my XXXX  XXXX was approved I did not get paid because there was clause in my benefits which prohibited me to get paid while out. I was behind on all my bills. I called XXXX also advised her what was going on. Which I told her I could send documentation regarding my claim. Went back to work to only two months later getting laid off. In XXXX I work for XXXX XXXX and lived on the property where I worked was told I had to move in 7 days. I contact XXXX let her know. I had to get another job and then find a place to stay. I moved in my apartment XX/XX/XXXX. I contact the agency XX/XX/XXXX to speak to XXXX to advise I will now proceed to pay remaining balance off of {$1300.00} I spoke to XXXX who then informed me XXXX did not work in this department any longer that I had to make payment with gentlemen who answer the phone. I advise that would be fine. I get a call by another representative following week stating I had to pay the total remaining balance. I asked to speak to XXXX or XXXX went off hollering screaming on the phone saying I had to the total amount threatening becoming belligerent on the phone advise him not to speak to me in that tone. I want to pay only what I was told I can settle which was the {$5000.00}. I have already paid {$3700.00}. Advise will make payment on the XXXX and the XXXX of XXXX. I wish I never got the loan on the car. I was coerced by the sales team to write a check because I was getting a settlement. My attorney did not get my all the funds for my settlement. I sent them proof of the documentation of that as well. This whole thing has be a nightmare. I have been talked horribly by XXXX.he doesnt let you get a word in he talks over and screams and hollar on the phone. I am not paying anything more. I only paying on the agreed settlement. Which I have a differ of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
According to 15 U.S Code 6802 it is illegal for banks and institutions to report any data to XXXX  party companies without my proper consent. REMOVE IT OFF OR I WILL BE SUING YOU I KNOW MY RIGHTS AND YOU HAVE BEEN IN VIOLATION REPORTING FALSE INFORMATION THAT I NEVER GAVE YOU PERMISSION TO REPORT MY LAWYER WILL BE CONTACTING YOU IF ITS NOT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-23 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} XXXX XXXX {$0.00} Collection : XXXX XXXX XXXX XXXX {$4300.00} XXXX Off : XXXX XXXX {$0.00}

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 2024-09-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-22 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I see you fail to Remove the Inquiries from my Consumer Report.According to the FCRA, These Unverified and UNAUTHORIZED INQUIRIES Must be Removed. Don't freeze My Account, I will do it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings, I see you fail to Remove the Inquiries from my Consumer Report.According to the FCRA, These Unverified and UNAUTHORIZED INQUIRIES Must be Removed. Don't freeze My Account, I will do it myself.

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 2024-09-22 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-22 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX 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> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX / XXXX Email : XXXX DOB : XXXXXXXX  SSN : XXXX Driver 's License : XXXX Place of birth Idaho XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Re : Application ID : XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : XXXX XXXX 2. Date of Birth : XX/XX/XXXXXXXX  3. Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX 4. Email : XXXX 5. Phone Numbers : XXXX / XXXX 6. Social Security Number : XXXX 7. Driver 's License Number : XXXX Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Application ID : XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : 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 Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. I look forward to 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 2024-09-22 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I was sent a Destiny credit card through a company named Concora Credit that I did not request. I shredded the card without using it and now they have sent me a bill requesting a payment of {$170.00} by XX/XX/year>. 

I called their phone number to dispute the requested payment, and they would not speak with me without me providing my Social Security Number. I refused to provide them with the SSN. The call center appeared to be located aboard due to the accent of the representative that I spoke with. 

My personal information as well as my husbands personal information has been leaked to various XXXX websites through hacks by others in the past. It is possible that someone else has applied in my name due to the leaked information. 

I do not know how to address this situation without them harming my credit rating, which I have been trying to correct over the past several years. 

I appreciate any assistance that you can provide to me and have a good day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 informationisinaccurate.

Please remove these Inquiries 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 non-monetary relief