vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 auto loan account opened at XXXX XXXX on XX/XX/year>, under the account number XXXX. There are several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the fraudulent contract that does not bare my signature maintained by you which shows the afore mentioned fraudulent item. I do not recognize the afore mentioned accounts, or hard inquiries as reported. The afore mentioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the afore mentioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the afore mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report due to identity theft resulting from a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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:
I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report due to identity theft resulting from a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 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/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 2024-11-03 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:
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 XXXX XXXX, 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 CreditReporting 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 XXXX. Please delete the following accounts. XXXX XXXX balance {$650.00}, XXXX balance {$15.00}, XXXX XXXX balance {$640.00}, XXXX balance {$910.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: DE

Complaint narrative:
Previous dispute related to this matter today XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I am asking for the assistance of the CFPB to ensure that my rights are not getting violated into help me in this matter today Subject : Investigation Took longer than 30 Days, Dispute of Charge-Off Accounts and Request for Monetary Relief Dear Equifax ,

I am writing to formally dispute several inaccurate charge-off accounts on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ).

The following accounts, which were included in my bankruptcy and should not be reported, remain on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX These accounts have been inaccurately reported as charge-offs despite their inclusion in my bankruptcy filing. As such, they should not be appearing on my credit report, as their presence violates the FCRA guidelines regarding the accuracy of information reported. 

Additionally, I am particularly concerned that you failed to respond to my previous dispute within the required 30-day period. This delay constitutes a violation of my rights under the FCRA and has caused me significant distress and potential harm to my credit standing.

Given the circumstances, I am seeking monetary relief due to the violation of my rights under the FCRA. I request that you remove the aforementioned charge-off accounts from my credit report immediately and provide me with written confirmation of this action. 

I look forward to your prompt attention to this matter. Should you fail to resolve this dispute in a timely manner, I will not hesitate to escalate my complaint to the appropriate regulatory authorities and consider further legal action. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank will not allow me to add to my XXXX balance from my Ally Bank ATM card via the XXXX " add to XXXX from bank card '' function. Ally Bank XXXX XXXX stated that my attempted transfers were being declined by Ally Bank as suspicious in nature. Furthermore, there was no escalation contact to report this to within Ally Bank. My Ally Bank ATM Bank card contract states a daily limit of {$3000.00} USD or {$5000.00} USD for cash withdrawals or cash advances. I was only allowed to successfully transfer {$100.00} USD in multiple transfer attempts which I initiated as well as several attempts that Ally Bank Customer Service had me perform while I was on the phone seeking their support in these troubled and failed transfer transactions. Their responses were stated pragmaticaly as Bank policy they were unable or unwilling to change despite my Ally Bank ATM Bank card contract and the fact that I had much more money available to me in my Ally Bank Checking AND Savings accounts then I was trying to Transfer to my XXXX balance. I also explained to XXXX Ally Bank XXXX that I could not use the XXXX " add to XXXX balance from bank acount '' function as it would take too many business days beyond the date my XXXX payment was due to my payment. This matter concerns a breach of contract in which Ally Bank is advising me that I do not actually have the contractually stated access to my monies due to their bank transfers security settings. I am under the understanding that XXXX is meant to perform such transfer integrity checks. This matter flies in the face of my Ally Bank ATM Bank card contract and customer satisfaction. I am requesting your authoritative assistance in resolving 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 2024-11-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX under 15 U.S.C. 1681s-2 Dear CFPB Representative, I am writing to file a formal complaint and dispute concerning two accounts reported by XXXX XXXX XXXX XXXX different account numbers : XXXX and XXXX. I am disputing the accuracy of the information being furnished by XXXX XXXX, as the accounts are being reported inaccurately on my credit file. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information, including XXXX XXXX XXXX XXXX required to report accurate and complete information to credit reporting agencies. As part of this duty, they must promptly investigate any disputed information reported by consumers. I have reached out to XXXX XXXX directly to correct the errors, but the issue remains unresolved. 

Details of the Dispute : XXXX. Account Number XXXX : This account is inaccurately reported, and I am requesting verification and correction of the information associated with it. 
XXXX. Account Number XXXX : This account also contains inaccuracies, and I am disputing the reported information, as it appears incorrect. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX fully complies with 15 U.S.C. 1681s-2 by conducting a thorough investigation and correcting any inaccurate information associated with these accounts. 

Please let me know if any additional documentation or information is needed to process my complaint. I appreciate your attention to this matter and look forward to a resolution that ensures accurate reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 Dear CFPB Representative, I am writing to file a formal complaint and dispute concerning two accounts reported by XXXX XXXX under two different account numbers : XXXX and XXXX. I am disputing the accuracy of the information being furnished by XXXX XXXX, as the accounts are being reported inaccurately on my credit file. 

Under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information, including XXXX XXXX XXXX XXXX required to report accurate and complete information to credit reporting agencies. As part of this duty, they must promptly investigate any disputed information reported by consumers. I have reached out to XXXX XXXX directly to correct the errors, but the issue remains unresolved. 

Details of the Dispute : XXXX. Account Number XXXX : This account is inaccurately reported, and I am requesting verification and correction of the information associated with it. 
2. Account Number XXXX : This account also contains inaccuracies, and I am disputing the reported information, as it appears incorrect. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX fully complies with 15 U.S.C. 1681s-2 by conducting a thorough investigation and correcting any inaccurate information associated with these accounts. 

Please let me know if any additional documentation or information is needed to process my complaint. I appreciate your attention to this matter and look forward to a resolution that ensures accurate reporting. 

Sincerely, 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 2024-11-03 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:
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 XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule XXXX002.142 ( 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 CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX balance {$650.00}, XXXX balance {$15.00}, XXXX XXXX balance {$640.00}, XXXX balance {$910.00}.

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 non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
My auto loan account was purchased by NCB Management in XXXX  This debt is in the process of being resolved by way of Arbitration. I have mailed the documents to this agency along with a Demand Letter. This original debt was with an Unlicensed Lender in North Carolina that charged an APR rate of 28 %, which is an illegal Usury amount in North Carolina. I have obtained a lawyer to assist with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: FL

Complaint narrative:
Lost work and income do to XXXX and on last XXXX XXXX XXXXXXXX XXXX need help keeping my home

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Accounts on Consumer Report I am writing to formally dispute the accuracy of XXXX accounts listed on my consumer report. I believe these accounts are incorrect and request their removal. The details of the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX / XXXX - Amount : {$520.00} XXXX. XXXX XXXX - XXXX # : XXXX / XXXX - Amount : {$140.00} I have reviewed my records and can confirm that I do not owe these amounts. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these accounts. I would appreciate your prompt attention to this matter and a written confirmation of the results of your investigation. 

Thank you for your assistance in resolving this issue.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Accounts on Consumer Report I am writing to formally dispute the accuracy of XXXX accounts listed on my consumer report. I believe these accounts are incorrect and request their removal. The details of the accounts in question are as follows : XXXX. *XXXX XXXX XXXX XXXX XXXXAccount # : XXXX / XXXX - Amount : {$520.00} XXXX. XXXX XXXX - XXXX # : XXXX / XXXX - Amount : {$140.00} I have reviewed my records and can confirm that I do not owe these amounts. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these accounts. I would appreciate your prompt attention to this matter and a written confirmation of the results of your investigation. 

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I requested to close my XXXX XXXX Credit Card account, issued by Comenity Bank, due to multiple unwarranted fees and charges that had been applied to my account. Despite making timely payments and having no new purchases since XX/XX/year>, Comenity continued to add late fees and finance charges. I contacted Comenity Bank several times to address these issues and made additional payments to cover these fees, but the charges continued to appear without clear explanation. 

On XX/XX/year>, the account was officially closed. However, after the closure, I was notified of a {$120.00} balance due, which was subsequently sent to collections. This collection report negatively impacted my credit score, despite my history of excellent credit and on-time payments. I am disputing this balance, as the fees were applied after closure and were not the result of any new transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
these hard inquiries are fraudulent and doesnt belong to me and need 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 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 2024-11-03 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Money Order Submitted for payments for XX/XX/XXXX XXXX Amount of payment tendered {$940.00} 2 Amount of payment tendered {$26.00} XXXX Claims of deceptive representations to consumer about its intentions to report negative false information to Credit Bureaus. 
cc. file XXXX XXXX

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