vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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:
I am a victim of credit theft and discovered fraudulent accounts on my credit report. I promptly requested that these accounts be removed by the credit bureaus. However, while some credit bureaus removed the fraudulent accounts, others did not. Some bureaus did not conduct a proper investigation or reach out to the credit card issuers to verify the fraud. This inconsistent handling has left some fraudulent accounts active on certain reports, negatively impacting my credit score and financial standing.

I have taken the following actions : Contacted each credit bureau to dispute the fraudulent accounts. 
Sent documentation proving the theft and requesting removal.

Attempted to follow up on the investigation, yet some bureaus failed to provide updates or communicate with the credit card companies involved.

The unresolved accounts are impacting my credit score and limiting my ability to access credit and other financial services.

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 2024-11-06 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: NY

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has had a security freeze on my credit report for years I have tried at least a dozen times over the past 8 years to get it removed. 

The latest attempt today XX/XX/XXXX I passed their facial recognition software and they still refused to remove the freeze. I believe that the person I spoke with was trying to scam me he stated that he could not send me the information on how to remove the freeze through email and rather gave me a XXXX XXXX that he also refused to email or text for me to send my personal information to. 

As I stated I have tried for years to have this removed in XXXX I sent a copy of my ID, passport and power bill but was still told they are unable to remove the freeze. 

I did not have this placed on my report and am at my wits end on how to resolve this as it has prevented me from getting financing for a vehicle and is currently effecting my application for housing after I was displaced after XXXX XXXX 

Again they refused to send an email with clear instructions on how to get this fixed and I am not comfortable sending personal documents to a XXXX XXXX an unknown person gave me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding an incident involving my card being skimmed at a XXXX XXXX XXXXXXXX ATM located at XXXX XXXX XXXX XXXX, XXXX. I believe this situation has been handled negligently by both the bank and my financial institution, and I am seeking your assistance in resolving the matter. 

Here are the details of the situation : Date of Incident : XX/XX/2024 Location : XXXX XXXX XXXXXXXX ATM, XXXX XXXX XXXX XXXX, XXXX, IL ATM Withdrawal Amount : {$100.00} ( XXXX atm ) the day prior XX/XX/2024 on XX/XX/2024, I had a transaction of : XXXX, XXXX, XXXX, XXXX and another XXXX ( {$540.00} ) on XX/XX/2024 all while I had my card on my body at work with no one else having access to my information. 
Account Number : XXXX - Physical card On XX/XX/2024, I discovered unauthorized transactions on my account after my card was skimmed at the ATM. I immediately contacted XXXX XXXX XXXXXXXX, the operator of the ATM, to report the fraudulent activity. However, they were unable to assist me due to the fact that my card was issued by a third-party bank, MoneyLion. XXXX XXXX XXXXXXXX did not take any steps to rectify the situation or investigate the claim further. 

I subsequently filed a dispute with my bank, MoneyLion, providing them with all the necessary documentation to prove my case. This included an affidavit from my employer, confirming that I was actively at work over XXXX miles away from the location of the ATM at the time of the fraudulent withdrawal. Additionally, I confirmed that I had my card on me, which further supports the claim that my card was skimmed at the ATM. 

Despite providing this affidavit and other relevant information, MoneyLion denied my dispute, citing that I did not have sufficient details to support my claim. This decision has left me frustrated and without recourse, as I have done everything in my power to prove that my card was compromised due to the negligence of XXXX XXXX XXXX  in securing their ATM. 

I am requesting the CFPB 's assistance in reviewing this matter, as I believe that both XXXX XXXX XXXXXXXX and MoneyLion have failed in their responsibilities to properly address and resolve this fraudulent activity. I am seeking a resolution in which I am reimbursed for the unauthorized transaction and that proper steps are taken to ensure such incidents are prevented in the future.

Thank you for your time and attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX 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 2024-11-06 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: GA

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

Please delete the following accounts : XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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 have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
My Constitutional rights arent protected by the agency reporting, the agency has to show proof of service for a debt that has flaws of inaccuracy In addition, proof of me waiving any rights to due process of law, therefore, The third party credit reporting agency need to provide me with those legal documents and not a claim of certified from a administrative entity.

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 2024-11-06 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: NC

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following item was opened fraudulently and is not authorized by me : Account : ( XXXX Account Number : XXXX ) Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove this fraudulent item within XXXX XXXX XXXX  of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : XXXX. Defamation of character XXXX. Negligent facilitation of identity fraud XXXX. Violations of the Fair Credit Reporting Act XXXX. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) XXXX. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) XXXX. Failure to comply with 15 U.S.C. 1692 ( g ) XXXX. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports XXXX. Violations of the method of verification ( XXXX U.S.C. 1681i ( 7 ) ) XXXX. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) XXXX. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove this fraudulent account from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past XXXX months of this correction. 

Thank you for your immediate attention to this matter. I look forward to your swift response.

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 2024-11-06 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:
I am writing to formally dispute the continued reporting of the XXXX XXXX account, [ Account XXXX : XXXX ], which is listed as a charge-off on my credit report. This account was closed and paid in full as of XX/XX/year>, and yet it is still being updated monthly as a charge-off. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information be reported to the credit bureaus. Since this account is no longer active and has been paid, there is no reason for it to be reported as a charge-off, and I am requesting that you immediately remove this account from my credit report. 

As part of this dispute, I am submitting [ payment confirmation ] to support my claim. This documents confirm the accounts closure and payment, and I believe it should be sufficient to resolve this matter. 

I request that you investigate this issue and remove the inaccurate reporting of the charge-off from my credit report immediately. Please send me written confirmation of the removal of this account from my credit file once the correction has been made.

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 2024-11-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; XXXX  ) comply with the investigation requirements ; XXXX ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; XXXX ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; XXXX ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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 account ( XXXX XXXX ) is reporting illegally and was opened illegally. Ive disputed it multiple times if not removed I will sue.It is not mine and I am not responsible for this debt. It is affecting my ability to obtain credit. It is negatively impacting my life and I would like it removed immediately. Ive contact these credit bureaus multiple times asking this be removed and nothing has been done.

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 2024-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MN

Complaint narrative:
I am a XXXX XXXX XXXX male still figuring out how loans and other financial endeavors operate. I decided to get a title loan to help my credit in which I had no idea how much interest they would charge me. It turns out the company I borrowed from ( XXXX ) charged me 99.9 % interest rate. I have been paying on this title loan for a year and yes I have paid the full amount already but I am still at the same amount I started with. Now I understand I signed the agreement but based on my research and XXXX  XXXX  regarding interest rates what they charged me is very illegal. I plan to discontinue paying on the title loan due to unfair business practices. I plan to file a lawsuit if we can not come to an agreement.

Company response to consumer: Closed with explanation