vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern : I am a victim of XXXX XXXX The information listed below, which appears on my credit report is the result of XXXX. 

Please block this information from my credit report withing four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

These accounts have resulted in several hard 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 accounts, or collections, as reported on my consumer credit report that is being maintained by your organization. 

Per the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I sincerely request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, and XXXX. Please delete the following accounts. 

Ive listed each account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting that XXXX send me proof of the corrections. I appreciate your urgency in correcting this mater. 

Sincerely, XXXX XXXX XXXX XXXX : Proof of Identity Trafficking Documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX6 Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report is the result of XXXX. 

Please block this information from my credit report withing four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

These accounts have resulted in several hard 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 accounts, or collections, as reported on my consumer credit report that is being maintained by your organization. 

Per the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I sincerely request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, and Experian. Please delete the following accounts. 

Ive listed each account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting that XXXX send me proof of the corrections. I appreciate your urgency in correcting this mater. 

Sincerely, XXXX XXXX XXXX XXXX : Proof of Identity Trafficking Documentation

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: AZ

Complaint narrative:
I provided information to credit bureau regarding fraudulent items being reported to my credit report and as the investigation process, items are being removed but later added back to my credit profiles. This process seems to be taking much longer with little insight into the results.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I provided information to credit bureau regarding fraudulent items being reported to my credit report and as the investigation process, items are being removed but later added back to my credit profiles. This process seems to be taking much longer with little insight into the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capitol one credited card became restricted after missing payments and lack of use. Ive been making payments again but not my card is restricted. I have a ton of points I can not use and after speaking to customer service. The said the card is permanently restricted so I can use my points or use the card anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
Opened this loan at {$1700.00}. Fees are up to {$2700.00}. This should not be added on and the credit bureau should only be reported once a month regardless of bureau updated. Integra randomly decided to update in less than a month at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to my XXXX, XXXX, and my Experian account, they have the wrong ( maiden and married ) last name for me. Alsoo, they have two wrong addresses that I have never ever lived at, one in my town and one several states away. Also, They've also said I own a cleaning business. Which I do not own any business, especially a cleaning business.

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 2024-08-27 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, which has led to the appearance of 2 unauthorized accounts and 32 inquiries on my credit report. These were added without my knowledge or consent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have reported this identity theft to the FTC and request the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of 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 2024-08-27 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: IL

Complaint narrative:
Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''

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 2024-08-27 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: IL

Complaint narrative:
Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''

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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After I paid off my capital one credit card two days later they charged me with {$88.00} and when I called them for the closing of this account they refused until I pay the amount of {$88.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NC

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX removed from my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed from my profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: KY

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX, TransUnion and XXXX for their failure to remove an inaccurate collection account from my credit report, despite multiple attempts on my part to resolve the issue. 

The account in question is held by XXXX XXXX XXXX, This account, was inaccurately reported on my credit report dates XX/XX/XXXX. I have never had any dealings with XXXX XXXX XXXX or XXXX XXXX, and this account does not belong to me. 

On XX/XX/XXXX, I sent a dispute letter to a ; ; aforementioned credit agencies requesting the removal of this erroneous account. In compliance with the Fair Credit Reporting Act ( FCRA ), I provided documentation proving that this account was incorrect. Despite this, they failed to remove the account, instead choosing to maintain this inaccurate information on my credit report. 

On XX/XX/XXXX, after the CRAs initial refusal to delete the account, I sent a second, more urgent dispute letter. In this letter, I reiterated my demand for removal and referenced the specific section of the FCRA15 U.S.C. 1681i ( a ) which mandates a reinvestigation of disputed information within 30 days. I clearly outlined that if the account was not deleted within 15 days, I would escalate the matter by filing formal complaints with your agency and the Federal Trade Commission ( FTC ). 

Unfortunately, as of XX/XX/XXXX, the CRAs have failed to comply with its obligations under the FCRA. Given the continued presence of this inaccurate information on my credit report, I believe that both XXXX XXXX XXXX and the CRAs are in violation of federal law, specifically the provisions designed to protect consumers from the damage caused by incorrect credit reporting. 

This inaccurate information has adversely affected my credit score and could potentially cause further financial harm. The negligence displayed by both XXXX XXXX XXXX and the CRAs is unacceptable and has forced me to take this matter to your agency. 

I respectfully request that the CFPB take immediate action to address this issue. I seek the removal of the erroneous account from my credit report and a full investigation into the practices of both XXXX XXXX XXXX and the CRAs concerning this matter. Additionally, I request that any negative impact on my credit score resulting from this error be rectified. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a check for {$340.00} from Bank of America to cover the financial harm that I experienced as a direct result of them freezing my card and EDD benefits from XX/XX/XXXX through XX/XX/XXXX. With the check I received a notice that I could submit a request for additional compensation which I did. I was NOT able to pay my rent once my card and benefits were frozen. I was evicted a year later while my card and benefits were STILL frozen. I provided my eviction notice and the demand of unpaid rent my landlord sent me, and the IRP denied my request stating that my proof doesn't show I was affected during that period. Yes it does because I was and still affected to this day because now I can't find someone willing to rent to me after the eviction due to unpaid rent. My family and I are still homeless! To add insult to injury .... according to the online portal my request was never even assigned to an agent. 
And after submitting the request they ignored it for 60 days then asked for more proof so I uploaded more documents, then after 45 more days they asked for my proof again ( after a week or so i called to check on it and I asked how long until someone would look at my claim and she said, " we weren't given a deadline so it will happen when it happens. ) well another few weeks pass by and I received a notice that a decision was made, then without an explanation of how they came to their conclusion, they denied it?!. And I can't resubmit it or anything. 
What a waste of time! I thought they had taken responsibility for their actions but really what they're doing is making themselves look good to those who don't know any better.

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 monetary relief
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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