vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). 
Timeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX XXXX  XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I am filing a complaint against XXXX for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). 
Timeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX XXXX  XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer XXXX has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure XXXX 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.

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 2024-11-09 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: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
Different companies did inquiries on my account that Im unaware of from XXXX through XXXX. Its negatively affecting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account in my credit report ( XXXXXXXX XXXX  Date opened XXXX ) Please remove this fraudulent account from my credit report. Thank

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 2024-11-10 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account in my credit report ( XXXXXXXX XXXX  Date opened XXXX ) Please remove this fraudulent account from my credit report. Thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: MI

Complaint narrative:
XXXX XXXX dba XXXX XXXX stole my SSN and plastered it all over their mobile application due to a pending legal matter. My information was compromised and need all bad and derogatory remarks and accounts removed my account, immediately. 

XXXX  XXXX Balance Last updated XX/XX/XXXX {$10000.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$10000.00} XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX Remarks Placed for collection XXXX  XXXX XXXX Last updated XX/XX/XXXX Balance {$7300.00} XXXX Last updated XX/XX/XXXX Balance {$4600.00} XXXX XXXX- XXXX Last updated XX/XX/XXXX Balance {$940.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment Original Creditor XXXX  XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address Phone Number XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Remarks Placed for collection XXXX XXXX  - XXXX Last updated XX/XX/XXXX Balance {$910.00} XXXX Last updated XX/XX/XXXX Balance {$570.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment Original Creditor XXXX  XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX XXXX Last updated XX/XX/XXXX BalanceContact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX  XXXX Last updated XX/XX/XXXX Balance {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I had a payment sent to me on Venmo from someone that I know and apparently I had owed XXXX $ from 2021 from a failed bank transaction so I told them to take it from my balance and give me the rest and now they are making every excuse possible but give me my money. I was sent XXXX $ so they are trying to XXXX me out of XXXX $ for almost a week now and wont give me any help or resolution to get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 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:
In 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681 section XXXX A. Status I have the right to privacy 15 U.S.C 1681 Section XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report counting 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 XXXX years. 

15 U.S.Cs-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
In 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 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. Status I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report counting 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.Cs-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet They have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them. 
I kindly request that you delete this account and remove any negative reporting from my credit report. 

thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
I am a victim of identity theft .There are Incorrect/false address 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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As of XX/XX/year>, my credit still has not been released to the bank that requires my credit details, in order to fund a loan on a property I have in escrow. I contacted Equifax for the XXXX time and was told they have a internal hold on my credit and can not release my credit. I also contacted Equifax Mortgage services because my banker hired Equifax mortgage services as well to pull my credit. I demanded Equifax Mortgage services release my credit, they did nothing as well. Equifax confirmed they received my certified mail with my passport and drivers license to prove date of birth and positive ID. They confirmed they know I am who I claim to be. They still will not release MY CREDIT REPORT AS DEMANDED! Instead, they said I have to send my social security card or W-2 to confirm my social security number. They have positively identified me and still will not comply with my demand to release MY CREDIT to my banker. I am sending W-2 documents certified mail. Equifax does not have legal authority to not send my credit as I have demanded and provided positive ID multiple times. I want {$5000.00} and the immediate release of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
I applied for a credit card in XXXX during the time I had a job, in XXXX and XXXX during the XXXX I was in the hospital for for a week and my job laid XXXX  % of the company than I was evicted I have request a hardship forgiveness with capital of those late payments, as a solution I been making on time payments.Im asking for a forgiveness of a dispute so to hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2024-11-10 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in ten negative accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. I have also included police report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in ten negative accounts appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. I have also included police report as well.

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 2024-11-10 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Different companies did inquiries on my account that Im unaware of from XXXX through XXXX. Its negatively affecting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Different companies did inquiries on my account that Im unaware of from XXXX through XXXX. Its negatively affecting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TN

Complaint narrative:
I am submitting this complaint to request a formal investigation and verification of several late payment entries, the removal of outdated employment information, and an address update on my credit report with Equifax. My concerns include multiple entries across several accounts, specifically for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where reported late payment dates may not accurately reflect my payment history. I believe these entries contain potential inaccuracies that may violate the Fair Credit Reporting Act ( FCRA ). 

I am also requesting that Equifax remove any outdated or incorrect employment information and retain only my current address, XXXX XXXX XXXX, XXXX, TN XXXX, on my credit report to prevent misrepresentation of my location. Additionally, I am seeking transparency on the method of verification used for each disputed entry, in accordance with FCRA 611 ( a ) ( 7 ), to confirm compliance with reporting standards.

Company response to consumer: Closed with non-monetary relief