vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported under my name with XXXX XXXX XXXX XXXX. This account is neither authorized by me nor opened with my knowledge. Furthermore, despite my repeated requests, you have failed to provide the original documentation proving that I opened or authorized this account. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive verification of any accounts reported in my name. Your inability or unwillingness to provide this evidence raises serious concerns about the legitimacy of this account. 
To resolve this matter, I request the following : 1. Immediate removal of this account from my credit report. 
XXXX. A detailed investigation into the origin of this fraudulent account. 
XXXX. Copies of all original documentation, including signed agreements and applications, associated with the account. 

Please note that failure to respond adequately to this dispute may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. I also reserve the right to pursue legal action to protect my credit and financial standing. 

I have enclosed copies of [ any supporting documents, such as your ID, police report, or prior correspondence ] to assist in your investigation. This letter serves as formal notice of my dispute, and I expect your response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX ACCT. # : XXXX In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report on XX/XX/24 to see what updates have been made from my XXXX dispute made. As I logged on i see the correct address was added but the address XXXX XXXX XXXX XXXX Texas XXXX was not removed being that is not my address nor did they remove the name XXXX XXXX or XXXX XXXX XXXX. 

The only address that's suppose to be listed is XXXX XXXX XXXX XXXX Texas XXXX The only name that is supposed to be listed is XXXX XXXX XXXX I clicked on it to dispute it again and the document that I have attached showed up. So I tried calling them and as a previous issue from last year when I called I was unable to get through at all and speak to anyone.

The screen shot is basically stating as if they can't erase it due to it being connected to other accounts and I have to reach out to those Individals in which I don't know who and I don't have what they are needing.

By law I asked them to remove that address that is not mine and it is not connected to me and mail can't not be delivered to me at that address.

I turned in drivers license, social card, pay stub etc with my current address and the only name that I go by. It should not be up to the employees to do what they feel they should do but by they should go by the laws.

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 2024-11-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX : XXXX SSN : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 auto loan with ( XXXX XXXX XXXX XXXX XXXX for the amount of {$20000.00} ( XXXX ) XXXX XXXX XXXX for the amount of {$580.00} ( XXXX XXXX XXXX XXXX  for the amount of {$460.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXor the amount of {$110.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX  for the amount of {$720.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$720.00} ( XXXX XXXX XXXX for the amount XXXX $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I have listed these fraudulent accounts that are on the report that is being maintained by you.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number # XXXX # from FTC as proof from US Federal Trade Commission that all of the aforementioned 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 2024-11-23 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: NJ

Complaint narrative:
I applied for a credit card in notice several accounts that were opened in my name, i do not recognize.

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 2024-11-23 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: NJ

Complaint narrative:
I applied for a credit card in notice several accounts that were opened in my name, i do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against XXXX XXXX for denying my fraud case despite substantial evidence and for their inefficiency in handling the matter. On XX/XX/XXXX, I received a notification from Capital One about a potentially fraudulent transaction at XXXX for {$500.00} at XXXX XXXX XXXX, which I immediately denied as unauthorized. Upon reviewing my account, I found additional unauthorized transactions, including three ATM withdrawals totaling {$600.00} and two debit card purchases at XXXX and XXXX for {$230.00} and {$100.00}, all occurring before the XXXX transaction notification. Despite this, XXXX XXXX denied my fraud claim, and only the XXXX transaction was flagged, raising concerns about the effectiveness of their fraud detection system. On XX/XX/XXXX, USPS Informed Delivery notified me that a mail item from Capital One was en route from XXXX XXXX XXXX, XXXX, XXXX XXXX, a verified address belonging to Capital One. However, this mail was stolen before reaching me, likely containing my replacement debit card. The unauthorized transactions began shortly after, suggesting the stolen card was used fraudulently. I immediately reported the issue to Capital One, informing them of the theft. After Capital One denied my claim without conducting a thorough investigation, I requested a rebuttal and provided multiple pieces of evidence, including USPS Informed Delivery confirmation, identity theft reports, and a police report documenting the theft and fraud. However, Capital One has not yet provided a decision on my rebuttal. They have sent an email stating they will reverse the charges on XX/XX/XXXX, but given their initial investigation, I have little confidence that the matter will be resolved fairly. I am concerned about Capital Ones card delivery practices, as they mailed my replacement card through USPS without requiring a signature, making it vulnerable to theft, while later sending a new card via XXXX  with enhanced security. I also question the adequacy of their fraud investigation, as key information, including the stolen card and XXXX footage from transaction locations, appears to have been overlooked. Furthermore, the stolen card was used without activation safeguards, such as a PIN or authorization through the app, allowing fraud to occur. Capital One failed to communicate their findings clearly and left critical questions unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
well there is 12 inquiries on my report that i did not consent to any of them runnuning my credit nor acessing my information i believe it was done fradulently underhandedly and with out my permissible permisson

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried to sign in to my account. Experan failed to send me the code via text o complete my account sign. I called the phone number, but was unable to speak to an agent to fix the situation. I put in my social and confirm my account only to be blocked from entering the website and partaking in the services being offered.

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 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : VANCE AND HUFFMAN LLC Date fraud began : XX/XX/year> Date that I discovered it:XXXX Total fraudulent amount : {$2000.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2024-11-23 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: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
well there is 12 inquiries on my report that i did not consent to any of them runnuning my credit nor acessing my information i believe it was done fradulently underhandedly and with out my permissible permisson

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: TX

Complaint narrative:
Dear CFPB, I am writing to dispute the continued inclusion of a fraudulent account on my credit report. This account was reported fraudulently, and no sufficient verification of its legitimacy has been provided despite my prior dispute. 

Additionally, I noticed that no substantive updates were made to my report. Instead, only " notes '' were added, and my credit score declined by XXXX points without a valid reason. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : Verify the legitimacy of any disputed account before continuing to report it. 
Remove unverifiable information from a consumer 's credit report. 
I request : A detailed explanation of the investigation process. 
Evidence supporting the legitimacy of this account. 
The immediate removal of the account if verification can not be provided. 

A copy of my police report/identity theft affidavit. 
Previous correspondence regarding this dispute. 
A copy of my credit report with the account in question highlighted. 
If no action is taken within 30 days of receiving this letter, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Please provide a written response confirming your findings and actions taken on my report. 

Sincerely,

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 2024-11-23 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: OH

Complaint narrative:
I'm in disagreement with the account listed below which stills appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are high injurious to my credit score. 

XXXX XXXXXXXX XXXX ( Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me a updated copy of my credit report after your reinvestigation.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
I am writing to dispute the charge-off formally reported on my credit file associated with the vehicle loan for the XXXX AUDI, XXXX ; VIN : XXXX. After XXXX XXXX from Compliance Consultant responded to my previous complaint. He agreed to remove the charge-off from credit bureaus. The account status is currently showing as derogatory and settled for less than full balance. However, the status should be closed, since the charge-off paid off account in full. This charge-off, which your company is reporting to the credit bureaus, is inaccurate, and I am requesting its immediate removal from my credit report. I am requesting its immediate removal from my credit report per applicable federal laws. 

Legal Basis for Dispute and Request for Removal : 15 U.S.C. 1692g - Validation of Debts : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the necessary documentation validating this debt. I request a detailed statement that substantiates the charge-off, including the amount owed, the original creditor, and the terms of the agreement. Failure to provide such documentation would render your continued reporting of this debt invalid. 

15 U.S.C. 1681s-2 - Duties of Furnishers of Information : Under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate information to credit reporting agencies. If this charge-off is inaccurate, I demand that you immediately notify the credit bureaus to remove this erroneous entry. If you do not have proper documentation to support this debt or its charge-off status, I insist that you delete the entry as required by law. 

15 U.S.C. 1681i - Procedure in Case of Disputed Information : According to the FCRA, when I dispute an item on my credit report, you are obligated to investigate the matter within 30 days. Should the investigation confirm that the charge-off is not valid or inaccurately reported, you are required to update or delete the item accordingly.

15 U.S.C. 1681i ( a ) ( 7 ) - Deletion of Information : If, upon investigation, the information you have reported is found to be inaccurate, incomplete, or unverifiable, I demand that you immediately delete the charge-off entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-23 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was an Authorized user on an account. The account has been terminated but is still showing open XXXXXXXX XXXX Account info Account number XXXX account is terminated

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