vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate : XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. The following personal information is incorrect Employers XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry XX/XX/year> XXXX. The inquiry was not authorized Date of inquiry XX/XX/year> XXXX. Identity Theft XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. 
XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number XXXX XXXX XXXX Theft XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to find incorrect accounts on my credit report this evening, and I cant figure out why. I check my credit regularly, but this time, there were discrepancies out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but it didnt fix anything. These inaccuracies stayed put, and now Im asking for a thorough review of the documents Ive submitted, so I can finally stop worrying about this.

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 2024-09-10 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: AZ

Complaint narrative:
To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX/XXXX  Account Number : XXXX Delete this account.

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 2024-09-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello! There is erroneous information being reported on my credit which is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my new credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692c you have violated my rights by unlawful communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
In accordance with the Fair Credit reporting act. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692c you have violated my rights by unlawful communication.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Tonight, I was completely shocked to find inaccurate accounts on my credit report, and I have no clue how they got there. Ive always been diligent about checking my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was some kind of glitch, but nothing changed. Now Im left stressing, and I need the documents I sent to be carefully reviewed so I can stop worrying about this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Delete or block Fraudulent Inquiries from my Credit Report Dear TransUnion, My name is XXXX XXXX XXXX, and I am writing to dispute fraudulent inquiries that appear in my credit report. Recently reviewing my credit report, I discovered fraudulent inquiries that I did not initiate. In this matter I create an account and filled out an Identity theft report. ( FTC report number is XXXX ). 
The details of the fraudulent inquiries are as follows : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX : XXXX XXXX, 2024 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX : XXXX XXXX, 2024 XXXX XXXX XXXX : XXXX XXXX, 2024 I want to inform you that I did not initiate or authorize any of those inquiries. It appears to be the result of identity theft. I want to request TransUnion to investigate these fraudulent inquiries and remove them from my credit report. 

I also request that TransUnion provide me with a copy of my updated credit report once the investigation is complete. Please provide me with written confirmation of receipt of this dispute letter and an estimated timeline for the investigation process. 
Thank you for your prompt attention to this matter. 
. 

Includes : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
A copy of my Identity Theft Report. 



Sincerely, 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 2024-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My savings account with capital one has been on hold for XXXX months now and all I keep getting is the sorry excuse of they cant find the investigator and I never get a call from them about my account. I am trying to get the funds that are left and just stop doing business with capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I viewed my credit report and noticed that there are bankruptcy

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 2024-09-10 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: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX  ( ACCOUNT # XXXX ) I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt

Company response to consumer: Closed with non-monetary relief