vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
A debt validation letter was sent XXXX XXXX XXXX to validate debt listed on my credit report. The company has failed to validate debt made pursuant of 15.USC.1692.G.Sec.809. ( b ) of the FDCPA. XX/XX/year> pm XXXX XXXX XXXX. A request to validate this debt with Original signed contract, proof of assignment from original creditor or chain of title, right to collect debt in my state, insurance claims filed on debt and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
A debt validation letter was sent XXXX XXXX XXXX to validate debt listed on my credit report. The company has failed to validate debt made pursuant of 15.USC.1692.G.Sec.809. ( b ) of the FDCPA. XX/XX/year> pm XXXX XXXX XXXX. A request to validate this debt with Original signed contract, proof of assignment from original creditor or chain of title, right to collect debt in my state, insurance claims filed on debt and payment history.

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 2024-07-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I disputed {$720.00} in collections in either XXXX. Instead of sending me information to confirm this debt as accurate, the case was closed with the remarks " dispute resolved, customer disagrees. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, today I received a call from someone who claims to be from Citibank and his name is XXXX. He said me had used a credit card to spend {$9300.00}, and he know a lot of my information, but I have never opened a Citibank credit card and never have a Citibank credit card. I hang up and I have checked my credit report and I have not opened any Citibank credit cards.I checked his caller XXXX and is from Citi bank.Is he a scammer? 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information in my credit report as provided by your agency. I have reviewed my credit report and found inaccuracies that need to be corrected under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

The item ( s ) I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( a ), you are required to investigate my dispute and correct any inaccuracies within 30 days of receiving this letter. 

Please reinvestigate and correct the disputed information at the earliest, and provide me with a written confirmation of the outcome. Additionally, please send an updated copy of my credit report once the inaccuracies have been corrected. 

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all invalid information that is hindering my credit file. all of the accounts listed does not follow the FCRA rules. this has caused major delays on credit file. I am a victim of identity theft. please review an remove the accounts listed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. As a result, there are several incorrect addresses listed in my personal demographic profile. I have sent in proof of my identity on multiple occasions to the credit reporting agency and as of to date, my personal data has not been updated to reflect the accuracy of my address.

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 2024-07-11 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: PA

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 2024-07-11 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: GA

Complaint narrative:
My account was closed on XX/XX/year>. I received suspicious emails regarding the closure of my accounts. I responded to email explaining I never received information via phone call or mailed letter and Ill be forwarding the email to the fraud department as I assumed the email was fraud. The following day I received a email saying the account was closed without an investigation! I assumed the email was fraud because fraud and account hacking is at an All time high and I never received notification when logging into my bank! 

I think who ever checked the email closed my account without thorough investigation and prejudice and I need a further investigation! 


The following day, all my credit cards were closed, and the following month, my bank accounts were also closed. My accounts have always been in good standing. I have never had any overdrafts with Capital One Bank and have always made timely payments with my credit card company. They inquired about my cash deposits. As a XXXX XXXX, most of my clients pay in cash. I am a XXXX XXXX  and part of my work involves traveling. I have never engaged in fraud or overdrafts and have always maintained my accounts in good standing. The closure of my accounts has negatively impacted my credit score. I am unable to open a bank account or obtain a credit card anywhere, and I have been unable to find any information regarding the reasons for the termination of my accounts. I have checked the XXXX XXXX and XXXX, but found no relevant information. This situation is significantly affecting my life. Without a debit or credit card, I am unable to carry out essential tasks. As a single mother with no surviving parents, I worked hard to achieve what i have accomplished and Now, everything I have worked hard for is being taken away from me without any explanation or fair attempt to resolve issue. I feel like I am being discriminated against. And i want a fair attempt on resolving this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX XXXX XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

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 2024-07-11 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: FL

Complaint narrative:
ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX XXXX XXXX ACCOUNT XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: PA

Complaint narrative:
There are unauthorized inquiries on 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 2024-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Sometime last month, I scheduled an appointment with my nearest Navy Federal Credit Union which is an hour and a half away from my residence to deposit some dividend checks. I informed the branch manager through email before I arrived that I was looking to deposit some securities and transfer them to my Treasury Direct Account. Upon arrival, I was greeted by another young lady in the office who wanted me to explain the purpose of my appointment. Immediately, she had no idea what I was talking about. I informed her that as a security transfer agent, this is their duty. She denied them being a security transfer agent and informed me that she was sure this was something Navy Federal took no parts in. I also let her know that I did have a scheduled meeting with the branch manager, XXXX XXXX. She apologized and seated me until she was available. XXXX XXXX XXXX was upstairs busy. My scheduled appointment was for XXXX, I did not see XXXX XXXX until well after XXXX. As soon as I walked in the office I felt immediate judgement. I informed XXXX XXXX that I wanted her to transfer my dividend coupons to my treasury direct account and the look explained everything. XXXX XXXX told me what I was attempting to do was a scam and she could not help me. I have never been more humiliated in my life nor called a scammer to attempting to live up to the laws of the United States. After the appointment, I called customer service and spoke with two different supervisors who stated the same : they aren't comfortable with transferring anything to my Treasury Direct Account and they had never heard of this process before. Navy Federal has lost my support on transferring any of my treasury assets to my account and I am currently looking for another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
XXXX social, experian, has not removed negetive item thats 60 days late theres a federal trade commision identiy report on filed acxount XXXX by law they supposed to block negetive items or removed it documentation on filed XX/XX/year>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 2024-07-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. 

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish an account without written instructions. 

15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. 
NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. 

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish an account without written instructions. 

15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. 
NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.

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 2024-07-11 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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:
Good day, I am asking for help in terms of the inaccuracy being reported on my file. I have requested and insisted the inevstigation and removal of 2 accounts that is listed on the letter I have attached on this complaint. Your help is much needed.

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 2024-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FCC Finance, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I was approved for a personal loan in the amount of {$3600.00} from XXXX. My payments were set up to come out of my checking account Bi-weekly for the amount of {$56.00}. This was a smooth transaction and I had no issues with this company. For some reason unknown to me FCC Finance took over my loan from XXXX on or about XXXX XXXX. I received a Call from FCC Finance around this time to set up a payment schedule as the representative stated that he could not set up a Bi-weekly schedule. We came to an agreement of paying the amount of {$110.00} to automatically be deducted from my checking account each month on the XXXX. The first payment started XX/XX/XXXX Note that I also paid an additional {$56.00} on XX/XX/XXXX and XX/XX/XXXX. Every payment has come out of my account each month on the XXXX of the month but I am getting harassing phone calls about late fees and payments???!!! What? If anything at this point I have over paid. Why am I getting the calls every couple of weeks. I have to go through the whole story over and over and the company representatives acknowledge what I am saying, claim that they note my record and that these calls will stop but they do not stop. They call every couple of weeks and we go through this all over. Today when they called they claimed I okayed a payment setup for today XX/XX/XXXX and wanted to know if today was still a good day to make this payment. NO! I did not authorize this. I have an arrangement setup for the XXXX of every month. At this point I feel like this company is nickel -and- diming me. I am terrified at what this loan will actually end up costing me because of their incompetence at record keeping and billing. At this point I am about ready to stop the automatic withdraws to my account and send them paper checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation