vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I contacted Experian and requested a .Formal Request for Removal of Inaccurate Account Information. The Information is follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  As allowed under FCRA 1681g, I requested a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. 

Section 1681s-2 mandates that furnishers of information ( creditors ) provide only complete and accurate data. I request that you verify with the data furnisher that each detail complies with these legal requirements. If the furnisher fails to provide full verification for the full-length term of this account starting on XX/XX/XXXX to XX/XX/XXXX, please remove this entry from my credit report in adherence to the FCRAs accuracy standards. 

Nothing requested was received by Experian however Experian has continued to incorrectly report this account causing me issues with obtaining credit and housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX, account number 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 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding an unauthorized withdrawal of {$500.00} from my account by XXXX XXXX XXXX XXXX, in addition to the fraudulent charge that led to collection efforts, despite clear documentation of the fraud. 
Amount Taken by XXXX XXXX XXXX XXXX : {$500.00} ( not related to the fraudulent charge ) Action Taken by Me : Upon noticing the fraudulent charge, I immediately contacted XXXX XXXX XXXX XXXX to report the issue. My account was frozen without prior notice or explanation, and the credit union took {$500.00} from my account, which was not related to the fraud. 
I filed a police report, identifying the fraudulent charge as part of a scam involving an Indeed job listing. A copy of the police report was sent to both the credit union and the collection agency. 
Actions Taken by XXXX XXXX XXXX XXXX : Despite providing the police report and reporting the fraud, I was not properly notified about the status of my account. In addition, XXXX XXXX XXXX XXXX took {$500.00} from my account, which had no connection to the fraud, and froze my account without explaining the reason for the withdrawal or notifying me in advance. 
My account was frozen, but I was not given an adequate explanation or timely notice. 
XXXX XXXX Involvement : I received a collection notice, demanding payment of {$3000.00} related to the fraudulent charge. 
I responded to the collection agency immediately by sending a copy of the police report and explaining that the charge was a result of fraud. After this, I did not hear from them for several months. 
However, I received a second bill from the same collection agency for the same charge, with no communication regarding the resolution of the dispute or the police report I provided. 
What I Want : I am requesting the following actions : 1. That XXXX XXXX XXXX XXXX review the situation, return the {$500.00} they took from my account, and remove the fraudulent charge from my account. 
2. That the collection agency cease their collection efforts until the matter is fully resolved. 
3. That no further negative reporting be made to the credit bureaus regarding this matter. 

Please let me know if you require any further information or documentation from me to assist with the resolution of this issue. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recieved a hard inquiry for today XX/XX/year> to XXXX for a Capital One XXXX XXXX approved for {$6000.00}. I have not applied for anything recently. I called Capital One and they said the card was approved under my social but they couldn't do anything about it due to them using a different Date of Birth and Name to open it. My credit has been used in the past which has caused me to freeze my accounts in order to not have this issue. I reached out to XXXX and they don't see an active account yet. I was informed to then file a report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am invoking the Fair Credit Reporting Act ( FCRA ). Since last year I have been asking the Equifax company to remove the block on my credit and they do not do it. Months ago I sent them the information they asked me for and I am attaching it to this complaint. With Hurricane Hellena I lost my car and I am trying to buy a car and I have not been able to because they have not removed the block. I call them by phone and they say they are going to remove it and they do not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 contacted XXXX and I requested an immediate and comprehensive investigation into several instances of reporting incorrect information on behalf of XXXX XXXX on my credit report. These many errors in reporting of this information has destroyed my ability to obtain housing and small business loans. I have requested verification and info on these two accounts several times Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  This account contains erroneous details regarding the balance, payment status, and payment dates, which could lead to misrepresentation of my creditworthiness. I request that if you can not conclusively verify each reported detail with certified documentation, you remove the account promptly. 

Also, as allowed under FCRA 1681g, I request a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. I asked them to provide a copy of my signature that was used to agree to open this account. 

None of these items were provided, however, they have continued reporting these accounts and causing me more harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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:
I contacted XXXX and I requested an immediate and comprehensive investigation into several instances of reporting incorrect information on behalf of XXXX XXXX on my credit report. These many errors in reporting of this information has destroyed my ability to obtain housing and small business loans. I have requested verification and info on these two accounts several times Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX This account contains erroneous details regarding the balance, payment status, and payment dates, which could lead to misrepresentation of my creditworthiness. I request that if you can not conclusively verify each reported detail with certified documentation, you remove the account promptly. 

Also, as allowed under FCRA 1681g, I request a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. I asked them to provide a copy of my signature that was used to agree to open this account. 

None of these items were provided, however, they have continued reporting these accounts and causing me more harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
I contacted Experian and I requested an immediate and comprehensive investigation into several instances of reporting incorrect information on behalf of XXXX XXXX on my credit report. These many errors in reporting of this information has destroyed my ability to obtain housing and small business loans. I have requested verification and info on these two accounts several times Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXXXXXX  This account contains erroneous details regarding the balance, payment status, and payment dates, which could lead to misrepresentation of my creditworthiness. I request that if you can not conclusively verify each reported detail with certified documentation, you remove the account promptly. 

Also, as allowed under FCRA 1681g, I request a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. I asked them to provide a copy of my signature that was used to agree to open this account. 

None of these items were provided, however, they have continued reporting these accounts and causing me more harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX  XXXX XXXXXXXX Shows up on XXXX  XXXX  and XXXX Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX Shows up on XXXX  XXXX  and XXXX Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX ( account number XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I first requested statements for a Citibank credit card in my name in XX/XX/year>. They sent me incomplete statements so I followed up by phone XXXX XXXX  for the correct complete statements. I also followed up with a letter. Three months have passed and I still don't have the statements I requested from my own account. Denying me access to my personal information is in violation of Reg Z and the Fair Credit Billing Act as well as the California Privacy Rights Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed unauthorized inquires no my XXXX credit report, and that someone may have used my information to apply for something according to the fair credit reporting act these items must be deleted! 
Capital One Auto Fin - XXXXXXXX XXXX Capital One Bank USA - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed unauthorized inquires no my XXXX credit report, and that someone may have used my information to apply for something according to the fair credit reporting act these items must be deleted! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CBNA - XX/XX/year> CBNA - XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
XXXX XXXX  XXXX  # XXXX is being reported on my consumer reports this is a violation of my consumer rights usc 1681 & usc1666 I have never been provided any written notice of this issue before placing on my account nor have I been provided any original contracts showing ownership of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
Recently I reviewed my credit report and noticed incorrect and inaccurate information causing tremendous damage to my credit file. Ive also noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX XXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation