vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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:
Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non-response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
n accordance with the fair credit reporting act. The list of accounts below has violated.. my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXX .... XXXX # XXXX .... XXXXXXXX  ... .. # XXXX .... XXXX .... # XXXX ... XXXX .... # XXXX... 
XXXXXXXX XXXX XXXX ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX ... # XXXX ... .. XXXXXXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX  .... # XXXX ... .. XXXXXXXX XXXX XXXXXXXX .... XXXX ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX XXXXXXXX XXXX. 15 u.s.c. 1681 section 602 A. State I have the right to privacy ... 15 u.s.c. 1681 section 604 A-section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ... 15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
n accordance with the fair credit reporting act. The list of accounts below has violated.. my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXX .... XXXX  # XXXX .... XXXX ... .. # XXXX .... XXXX .... # XXXX ... XXXX .... # XXXX... 
XXXX XXXX XXXX  ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX ... # XXXX ... .. XXXXXXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX .... # XXXX ... .. XXXX XXXX XXXXXXXX .... XXXX ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX XXXX XXXX. 15 u.s.c. 1681 section 602 A. State I have the right to privacy ... 15 u.s.c. 1681 section 604 A-section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ... 15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-26 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: ME

Complaint narrative:
Subject : Complaint Against XXXX for Unauthorized Credit Inquiry Dear Consumer Protection Agency, I am writing to file a formal complaint against XXXX for conducting an unauthorized credit inquiry without my knowledge or consent, which has negatively impacted my credit score and jeopardized my ability to purchase a home. 

On XX/XX/year>, I discovered that XXXX had closed my account without any prior notice. I immediately contacted their customer service department, and the agent acknowledged that this was a mistake and assured me that the account would be reopened. During this conversation, I explicitly stated that I was in the process of buying a house and did not authorize any credit inquiries. 

Despite my clear instructions, XXXX proceeded to conduct a hard inquiry on my credit report. Upon discovering this in XXXX, I contacted XXXX again, and the agent confirmed that the inquiry was a mistake and would be removed by the end of XXXX. However, as of today 's date, the unauthorized inquiry remains on my credit report. 

This unauthorized credit inquiry has caused me significant financial harm and emotional distress. I am deeply concerned about the impact this will have on my ability to secure a mortgage and purchase my first home. 

I request that the Consumer Protection Agency investigate this matter and take appropriate action against XXXX for their negligence and disregard for my consumer rights. I further request that XXXX be compelled to remove the unauthorized inquiry from my credit report immediately and compensate me for any damages incurred as a result of their actions. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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:
I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter.

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 
Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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:
I do not recognize this information Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received {$10.00} at bank of america. I wasn't allowed to spend all of the funds. They knew I needed to spend down the funds in a timely manner. They kept freezing account saying fraudulent activity an did not give any reason for saying fraudulent activity. I took a photo of Supervisor bank teller I tried withdrawing in person in merced. I was at the bank in person with ID an bank card.. She ignored me a few minutes an removes security verification cell phone number preventing me from unlocking my bank card..Also it not required unlocking debit card. when your in person at the bank with ID to withdraw funds.. This bank of america in XXXX was intentionally sabotaging and tampering

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: FL

Complaint narrative:
I do not recognize this information Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a late payment logged against my credit report. I contacted the credit card company and requested the statement for that month. On the statement it shows that payment was made on time. I disputed the late payment with the XXXX XXXX XXXX for XXXX rounds. On the XXXX round of disputes I provided a copy of the statement which shows that the payment was made on time and it shouldn't be marked as a late payment. I also requested proof of the investigation to show that they contacted the credit card company and it was verified by the bank. I received a letter by the credit bureau marked as verified without providing proof of investigation. The credit bureau ignored the evidence ( bank statement that shows payment was made on time. Even though proof was provided, the credit bureau continues to fail to investigate the matter accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: WA

Complaint narrative:
Company has an open complaint under XXXX Equifax has been saying they are fixing the issue with Achieve loans improper reporting as referenced in XXXX but they have been doing this since XX/XX/year>, but they never fix the inaccuracies and now they want another 60 days because they are still working on it but, they keep dumping the same incorrect results, wont give me the info I request, will only redispute it and add more inaccurate information I do not believe they should get another 60 days I can not buy a house because of them and they are being summoned to court because they will not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: IA

Complaint narrative:
They closed my account in 2018 I paid it off but they wont show it as paid and let me get a new card. It keeps saying you have a closed account with us

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
The following debt has negatively impacted my personal credit with incorrect information and I have attempted several times to dispute this matter. I was never granted arbitration clause before the debt was sold to a debt collector. Also, the debt was not ever validated by the third party debt collector in which there is no proof of an original contract with my signature agreeing to pay them. Although, the debt has been paid several of my personal and consumer rights have been violated in which I did let the company know that legal action is to take place if this is not removed immediately from my credit report. If I do not receive an updated copy of my credit report with the disputed items removed, my attorney will pursue my legal rights under 15 USC section 1681 ( n ) and 15 USC section 1681 ( o ) of the Fair Credit Reporting Act " Civil liability for will noncompliance '' The credit bureaus will be liable for 1 ) the actual damages I have sustained by failure to delete this 2 ) Punitive damages as the court may allow 3 ) Cost of the court action in addition to attorney fees. A copy of my dispute has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, the Consumer Protection Agency and Department of Business and Professional Regulations ( Division of Consumer Complaints. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
n accordance with the fair credit reporting act. The list of accounts below has violated.. my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX XXXX ... # XXXX ... .. XXXX XXXXXXXX XXXXXXXX .... I # XXXX .... XXXX  ... .. # XXXX .... XXXX  .... # XXXX ... XXXX .... # XXXX... 
XXXX XXXX XXXX ... .. # XXXX .... XXXX XXXX XXXX ... .. # XXXX ... XXXX XXXX XXXX  ... # XXXX ... .. XXXX XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ... # XXXX XXXX XXXX XXXX XXXX XXXX .... # XXXX ... .. XXXX XXXX XXXXXXXX .... XXXX  ... XXXX XXXX... XXXX XXXX XXXX XXXX... XXXXXXXX XXXX  XXXX XXXX. 15 u.s.c. 1681 section 602 A. State I have the right to privacy ... 15 u.s.c. 1681 section 604 A-section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ... 15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief