vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-08-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
Clarity Services is a part of XXXX. XXXX has my credit file disclosure, copy of my government issued identification and social security number. Clarity accessed my credit report and provided false information to XXXX XXXX XXXX, causing an Adverse Action in the form of denial of extension of my own credit. If Clarity is a division of XXXX and accessed my credit report held with XXXX they would see I do have credit experience and a credit score, therefore the information they provided to XXXX XXXX XXXX was false, misleading and defaming of my character. Clarity made the finance company think that I have no credit experience and may not be creditworthy, which is not true. Not only am I being denied the right to extension of my credit, but this has caused damaged to myself and minor child because we are in need of furniture. Not being able to initiate consumer credit transaction because of Clarity 's negligent reporting practices, has caused physical, mental and emotional damages in which I can provide documentary evidence if forced to file a claim on the basis of defamation of character and denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: WV

Complaint narrative:
This company just appeared on my credit reports apparently for XXXXXXXX XXXX XXXX. I went through a divorce this year and I changed insurance companies as did my ex spouse. I successfully got insured without any mention of money owed to XXXX. This company never contacted me by mail and to my knowledge on my phone either. I am attempting to purchase property and this has set me back as they have already damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My complaint is against Equifax. 

Each time I attempt to log in to the online portal, I am denied access, forcing me to call in for assistance. During these calls, I am again asked to provide the same sensitive information, which raises concerns about the security and efficiency of your verification system. This repetitive process is not only time-consuming but also frustrating, as it hinders my ability to manage my account effectively. 

I understand the importance of security, but this level of redundancy is unnecessary and seems to indicate a failure in their system. I respectfully request that they address this issue promptly, as it is causing undue stress and inconvenience. 

The representative I spoke with today, XXXX, said that since I was refusing to provide my documents ( for the 3rd time ) that he could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Impossible to freeze credit. XXXX can not verify me and phone option to freeze doesnt exist. Had no issue with same info with other credit reporting companies.

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 2024-08-15 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report 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. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I received notification from XXXX XXXX XXXX that my Social Security number was leaked in a data breach. So I went and froze my credit with all XXXX bureaus. My Social Security and personal information were used to apply for a XXXX XXXX  card where the inquiry was blocked by Trans Union. They proceeded to still issue a credit card with a XXXX $ limit. Upon calling them they treated as if I applied for this credit card.

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 2024-08-15 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-15 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-15 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I sent Capital One a Notice of billing error letter that the company received XX/XX/2024. No reply to that letter from Capital One. No investigation started. The company continued to collect payment. I sent Capital One another notice of billing error/ notice of cease and desist letter that was received on XXXX XXXX XXXX The Company closed my account without notice or reason. I checked my personal credit account XX/XX/2024 through my XXXX app. I discovered that Capital One closed my account. On XX/XX/2024 I discovered a letter from Capital One on the Capital One app. The letter was titled XXXX XXXX XXXX. Capital One didnt alert me of any fraud on my account, nor did I report any fraudulent activity. The letter stated that the activity on the account is not consistent with Capital Ones expectations for account usage and violates the Capital One Customer Agreement. Capital One still never started an investigation for the account. On XX/XX/2024 I sent Capital One a Notice of Default/ Opportunity to Cure letter for the illegal account closure and inaccurate credit reporting. I advised Capital One of the FCBA violations that the company violated, which was also mentioned in the previous letter. Capital One sent me a letter with a case number after the account closure. The letter didnt explain anything about the account. The letter advised me to call Capital One. Capital One sent several more letters with different case numbers about credit reporting. Capital One never validated any debt and never sent me any documents that I requested. I made several phone calls to the company about the account closure. No reason was given why the account was closed and no violations to the Capital One Customer Agreement were found by any agents for the company. I advised the agents that Regulation Z is actually in the Capital One consumer agreement and the company violated their own agreement by closing the account after receiving a billing error letter and not starting an investigation. I was told I had to open a new account and still pay the debt. I advised the agents that once the company violated the agreement and closed the account, the debt was then void according to the law. I was told I will not receive any documents beyond a billing statement pertaining to debt validation, even though I requested more documents. I sent the CEO and CFO of Capital One a letter informing them of the current situation. No reply from both parties. I received more credit reporting letters with no proof of anything. I continued to pay the debt in good faith hoping Capital One would do the right thing according to the law and agreement the company violated. Capital One has hurt my credit reputation as well as put a strain on my household financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-15 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: MS

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-15 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: MD

Complaint narrative:
Subject : Complaint Regarding Private Student Loan Cancellation Process and Unhelpful Navient Representative Date of Incident : XX/XX/year> Amount Involved : [ Specify the amount of private student loan ( XXXX ) if known ] I am writing to file a complaint regarding my recent interaction with Navient concerning the cancellation of my private student loans due to school misconduct at XXXX XXXX XXXX, which I attended. 

On XX/XX/year>, I contacted Navient to inquire about the process for canceling my private student loans, as I am aware that borrowers who attended XXXX XXXX and experienced school misconduct are encouraged to submit applications for loan cancellation. However, when I spoke with a representative named XXXX, I encountered several issues : Refusal to Provide Information : XXXX refused to give me any information regarding my private loan, including details on the cancellation process or my eligibility for relief. This was despite my clear indication that I was calling specifically to address this matter. 

Denial of Application Request : I asked XXXX to send me the application for the cancellation of my private student loans, as I believe I am eligible due to the misconduct at XXXX XXXX. XXXX refused to do so and did not provide any explanation for this refusal. 

Unhelpful and XXXX XXXX : XXXX advised me to contact a law office or whoever else might hold my private loans, suggesting that Navient was not the holder of these loans. This is incorrect because Navient is indeed the holder of my private loans, and I was seeking their assistance directly. 

Lack of XXXX : The conversation left me without any resolution, further information, or steps to proceed with my request. This lack of assistance and inaccurate information has caused significant frustration and concern about my ability to address the loan cancellation process properly. 

Given that Navient is the holder of my private student loans, I expected the representative to provide clear guidance and support in navigating this situation, particularly given the complexities surrounding XXXX XXXX 's closure and the associated relief programs for the misconduct of XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation