vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - JOB Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Collections that XXXX being challenged XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION 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 2024-07-18 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: MS

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-07-18 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXXg according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-18 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-18 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: SC

Complaint narrative:
XX/XX/24 -- XXXX All my credit cards by Capital One were closed. 

XX/XX/24 -- > I spoke with customer service to request the reason why my accounts were closed and their response was : " The account holder is or was under legal action. '' I asked them what kind of legal action I'm under that could galvanize them to eradicate all my accounts and they responded by telling me to look at public record. I do have a XXXX  record from about XXXX years ago but it is nothing related to finance or anything that could threaten their institution. I have successfully paid all my debts with their company for the past decade and don't see why I have been shut out unprovoked. It is upsetting that I might be getting discriminated against based on my XXXX  record for a mistake I made as a XXXX. Their only reasoning for shutting down my account was for, " legal action that could be in the past or present. '' In conclusion, after reading an article from your website about, " What is credit discrimination? 
The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics. '' I think this situation should be looked at by an objective third party to see if there was any discrimination or unfair treatment done. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-07-18 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account with ( XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian and XXXX. Please delete the following accounts. 
XXXX XXXX. {$0.00} XXXX XXXX XXXX XXXX. {$7100.00} XXXX  bal. {$6600.00}

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 explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I have requested a bill payment to a maintenance company who served my church. In XXXX, I found out that the company did not receive the bill payment check from the bank XXXX XXXX  XXXX XXXX ) but the check was cashed out somehow. I have requested information for that check to bank to find out whom to paid. Bank investigate the maintenance company to make sure that it was not a scheme/fraud. The maintenance company did provide all requested documents that the company did not receive nor cashed the check. I have requested to the Bank to return the money ( {$1500.00} ) back to my checking account but XXXX  XXXX XXXX did not return the money yet. XXXX  XXXX XXXX has blamed Bank XXXX XXXX did not take any action to return the money back to XXXX XXXX XXXX. These two banks threw a ball to each other to avoid blame and try to avoid pay back my money. If XXXX  XXXX XXXX find who withdraw money ( {$1500.00} ) then Bank XXXX XXXX charge back to that account and return the fund back to me instead of dragging almost a year without any response. This is bad, very bad practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
This is a follow up on a XX/XX/year> A transaction of {$11000.00} went through to a XXXX autopay that I did not authorize nor have this XXXX account. I have called XXXX about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called XXXX to have it closed and/or was told I do not have this XXXX  credit card account as far as I remember. However, a transaction was made from my XXXX under the same XXXX credit card issue I have complained about it being used not under me. I have asked for investigation from XXXX XXXX XXXX  enclosed a letter declining my request for refund and removal from my profile and adamant that I received benefit from this transaction. I have went to a XXXX location and they refused to help. I filed complaints to dispute this transaction and XXXX decided to turnover to a debt collector - Cavalry SPV I LLC to sue me for owing them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A transaction of {$850.00} was done on XX/XX/24. 

The purchase was a customize handbag from XXXX. A company I have never had any prior transactions with. An XXXX child had stolen my phone without my knowledge and innocently pushed through the transaction. I was notified by my bank and immediately contacted both the merchant and the bank. I notified the merchant this was not an authorized transaction and to please cancel. I contacted the bank and reported it as fraud and an unauthorized transaction. 

The merchant ( XXXX  ) did not reply until XX/XX/24 XXXX days later that they could not cancel the transaction. And on their return policy stated they would not accept returns for a customized items. 

I contact my bank ( Chase ) with concerns that if I was unable to return the product would the merchant challenge the unauthorized item. Chase assured me it would not be relevant and to not contact the merchant as they would deal with the claim themselves. Chase then proceed to cancel my debit card twice over the span of XXXX months as they investigated. I constantly called Chase to get updated on the claim process and was told to wait. Until I received a notice on XX/XX/24 that my claim was denied and I would be charged for this unauthorized fraudulent transaction. 

It took over 60 days to get this response from Chase with no explanation. I am very frustrated with the level of service and how it can be legal to authorize a fraudulent transaction made by a XXXX child who has no relation to me. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: CA

Complaint narrative:
I have been trying to fix this for months now but to no avail, my requests to remove and correct erroneous information from my credit report keeps getting ignored, this is extremely infuriating. Not only my rights as a consumer is being violated, this is also affecting my life negatively in every way possible.

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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Resurgence Capitol take the old debts and tries to collect on debts greater than XXXX years old.They did this with XXXX XXXX and XXXX. They need to stop as they clump all the debts together and unknowingly you create a payment plan so they don't pursue legal action The last debt was from XX/XX/year> which is way beyond the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: FL

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 


I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be BLOCKED AND DELETED XXXX  XXXX bal {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX  XXXX {$4600.00}

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 explanation
Consumer complaint received 2024-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
On or about XX/XX/year>, I was contacted by XXXX XXXX XXXX, Fraud Department about a potential fraud on my account. When I spoke to the representative, I advised that I did not make, nor did I authorize a purchase at the XXXX XXXX which is more than two hours away from my home. I reported this as fraud and asked them to credit my account. They said because my card was in my possession, then I am at fault. I have appealed and asked for reconsideration sending them a copy of the XXXX XXXX XXXX Police Report and I have also sent them the Affidavit of Identity Theft from the FTC. XXXX XXXX XXXX refuses to believe me and continues to threaten that if I do not pay the {$600.00} they will send me to collections. I'm a XXXX XXXX XXXX XXXX person and have never had anyone treat me in this manner.

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 2024-07-18 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief