vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: IA

Complaint narrative:
Subject : Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided.

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ date of previous submission ], along with certified tracking [ insert tracking number or proof of delivery if available ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ).

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary.

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
I applied for a job and they're trying to pull my Equifax Credit report but it isn't coming up. 
I spoke with Equifax about this and they it was because my address wasn't on their system when In asked how to fix that they said someone would be in touch with instructions and they wanted me to pay for a membership Equifax.Com. I don't think that's right I shouldn't have to pay for them report to do thier job .... 

XXXX XXXX XXXX has the information, and I didn't pay them, why do I have to pay Equifax?????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
Last week, the following transactions were made from my Remitly account. I did not make any of those transactions. The money was sent to a country I had never sent money to before, to people I did not know. 

XX/XX/scrub>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 2024-11-18 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: FL

Complaint narrative:
I have told the following companies that they are improperly reporting things that I was victim of identity theft that I did not do. I have filed a case with the FTC 2 years ago.

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Thank you.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> - I've attempted to access my online account on several occasions. Each time, the websites ask to verify my identify and fails to do so. I've followed each of their requests and steps. Each attempt has failed. I have called the number that is provided to verify my identify to access the online portal and reach a computer that is unable to verify and also unable to transfer me to a real person. At this point, I don't experian has any humans working there and is simply a front collecting all of information to sell it.

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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am filing this complaint regarding a collection account reported on my credit report by Jefferson Capital and subsequent collection attempts by another agency, XXXX. Despite their efforts to collect, neither Jefferson Capital, XXXX, nor XXXX, which continues to report this account, has provided proper validation of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. This includes documentation verifying the original creditor, account details, and proof that the debt is legitimately tied to me. None of these parties have fulfilled this legal obligation.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), XXXX has a responsibility to ensure the accuracy of the information they report. Continuing to report unvalidated accounts violates federal law and unfairly damages my credit profile. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter. I seek the immediate deletion of this unvalidated account from my credit report by XXXX and that Jefferson Capital and XXXX cease all collection activities unless they can provide full and valid documentation proving the legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
Pertaining to complaint number XXXX, on XXXXXXXX XXXX XXXX the CFPB notified me via email, informing me as to the status of my complaint. Which was fowarded to XXXX XXXX on XXXX XXXX XXXX. As of today, XXXX XXXX XXXX my FTC Report, Idetity theft Police Report and Proof of identifacation documents have been in there position. See PDF " CFPB Email. '' On XXXX XXXXXXXX XXXX at XXXXXXXX XXXX Experian Received My dispute documents via certified mail number : XXXX XXXX XXXX XXXX XXXX, FTC Report, Identity Theft Report, Dispute letter and Proof of identification ( New York State Drivers License ). As of today XXXX XXXXXXXX XXXX, Experian has been in possesion of the above documnets for a total of XXXX days. See PDF " XXXX. " Mail XXXX XXXX ''. 

On XXXX XXXX, 2024 I received an email from Experian stating, they forwared my documents to the creditor because I needed to submit more documents to verify my identity. See PDF " Experian Email '' Today, XXXX XXXXXXXX XXXX, I held an hour and thirty minute phone call with Experian ( call case no. : XXXX ) My request was for the status of my dispute. I asked a fraud department supervisor to explain the reason as to why the XXXX XXXX account was not blocked from my credit report. The supervisors response was, " we have to wait to here from the creditor ''. I explaint to the supevisor that the law superceeds there company policy, and that the law states your company ( experian ) has four business days to block the account upon receiving the proper documents from me. Which are : 1. Proof of identity, 2. Identity theft report and 3. Evidence of fraud ( statement affidavits, or documenst of unauthorized accounts ).

See 15 U.S.C 1681g ( e ), Four day to block account.

I further explained that all the required documents were submitted and to time to block the account has elapsted. Further more, the time for blocking the account has absolutly nothing to do with the time frame for investigating the account. His response was, " feel free to file your complaint with CFPB ''. 

See Current Experian 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 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have two credit cards opened with Capital One. When I got XXXX  in XXXX  I was told there is a SCRA law of how much interest a servicemember can be charged. When submitted the documents needed to apply I recieved a a document stating I was declined on XX/XX/year> for both cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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:
I am writing to formally request the blocking and deletion of the inquiry listed below as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask for this inquiry to be promptly removed from my credit report to protect my personal and financial information. 
Inquiry : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of XXXX personal credit card accounts 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 XXXXXXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of 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 # XXXX as proof from the 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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX, XXXX. A teller thought a forged check on my account had been presented. She declined the check and blocked my account. She did not tell me or anyone else. 

In XXXX I began to hear from unhappy creditors that payments from the account were not received and my checks were not being honored. Many days were spent trying to sort that out, and some credit card companies still will not accept payment from that account, requiring time-consuming work-arounds.

I contacted Truist as soon as I understood what was happening and they acknowledged full responsibility for the error. I made repeated requests for reimbursement of penalties and fees and received repeated assurances the problem would be rectified by " close of business today. '' After five months of stalling by Truist ( my request was reportedly declined twice ) I wrote the CEO and got some action reimbursement of fees and penalties. In light of the significant opportunity costs I incurred I asked that Truist provide token recompense ( {$1000.00} ). They responded : {$100.00}, like it or leave it.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I responded to Continental Financial Company on Friday, XXXX XXXX after I was contacted about the hardship program for {$30.00} on Wednesday, XX/XX/year> to be started after my XXXX XXXX last payment of the XXXX XXXX and once again I did not receive feedback from Continental Financial so I am still facing not being able to make my payments going forward. Continental Finance lied in this response or CFPB complaint. Nothing has change.

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 2024-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Two accounts were falsly opened under my name. ( BARCLAYS BANK/OLD NAVY XXXX XXXX XX/XX/XXXX & ( XXXX ) Opened XX/XX/XXXX. I have since then called OLD NAVY in which they said that no in person account was made and that it must of been an online thing. I've called XXXX and they have started the dispute.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was made aware of a huge decrease in my credit score, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on Transunion. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to Transunion on the dispute I filed and told me to wait up to two months for them to update the information. I also called Transunion for information and they told me I had XXXX accounts with late payments and every account was satisfactory. XXXX is also reporting that I have one account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called FICO and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and XXXX and Transunion both show one account with a late payment, but can not tell me what account as when they look in their records, there isn't XXXX. This is severely hurting my credit score and hurting me financially, and no one seems to know where this inaccurate information is coming from. I was also told by XXXX to call a financial advisor, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.

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 2024-11-18 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDITOR CREDIT COLLECTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : added a derogatory Mark on my credit, and needs to be removed. Ive had XXXX XXXX XXXX. Since XXXX and have all my medical bills and report Saying that i cant work and Unable to work during all this time until XX/XX/XXXX. I spoke to them all already and still put Collection on my credit report that is Illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has led to unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have appeared on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, 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 {$13000.00} XXXXXXXX XXXX {$16000.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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