vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute the accuracy items on my credit report as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-26 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates 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.

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 2024-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC

Complaint narrative:
NOTHING " HAPPENED '' A FALSE BILL FOR A NON EXSITING DEBT FOR {$470.00} CLAIMED TO BE 17 DAYS LATE REQUESTING PAYMENT FOR {$2400.00}

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 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: KEYCORP
State: WA

Complaint narrative:
I don't apply for a credit card from key bank, and I don't have any account with them, but I found the collection agency call me about late fee for my credit card payment which's I don't have I asked for the application, but they don't have any approve looks someone using my information but till now the bank ask me to pay the balance and effect my credit score. so, I'm filling this complain against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-26 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-26 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year>, I identified a billing error in the amount of {$10000.00} on this account and promptly sent a formal dispute letter to XXXX via certified mail. I have documentation confirming the delivery of this notice. According to the Truth in Lending Act ( TILA ), XXXX was required to acknowledge my dispute and cease reporting the disputed amount to credit bureaus while conducting their investigation. However, they have failed to comply with these requirements. Specifically : 1. XXXX has not acknowledged my dispute. 
2. They continue to report the disputed amount to credit bureaus. 

These actions are in direct violation of TILA regulations.

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 2024-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB, I received a letter that they needed evidence of flood insurance. I sent them the information to the email they requested. They sent me another letter stating they were going to place flood insurance that is thousands of dollars. I sent them the flood policy again to the address they requested and asked them to confirm receipt. 
They never respond and I am concerned they are going to force place expensive flood insurance when I sent them evidence twice.

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 2024-07-26 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and 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 ). 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-26 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX re : online retailer XXXX a manufacturer-to-customer model. 
XXXX delivered my product to a former address. The agents at the former address did not notify me. The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXX 's error and XXXX XXXX supporting the merchant. 

ORDER # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX {$170.00} x 1 Online Payment Shipping Method Standard {$170.00} Shipping address and billing same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX has received your request and re-opened a dispute on your behalf. We will complete our re-investigation no later than XX/XX/year>, and will contact you if additional information is needed. The XXXX XXXX allowed a second dispute, ultimately supporting the merchant XXXX 

XXXX XXXX My former husband used my private cell number to attach his girlfriend 's wifi product. XXXX XXXX refused to disallow these duplicitous charges. However, an investigation by XXXXXXXX XXXX ruled in my favor and returned that portion of my bill, the charges I did not incur. 
" Thank you for contacting us about the transaction ( XXXX ) on your account. We researched the transaction you reported and agree it was incorrect. 
The credit ( XXXX ) we provided for the transaction ( XXXX ) listed below is now finalized. 
Here 's what you should know. 
The temporary credit we provided is now permanent and includes any applicable fees and interest. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXXXXXX XXXX  position, and disallow input from XXXXXXXX XXXX and monies owed to XXXX from my former husband. I consider this identity theft. 

XXXX XXXX. 
I placed an order from XXXX in XXXX XXXX the item did not arrive. XXXX 's dispute team and the Discover Card dispute team resolution ruled in their favor. Oddly, the product arrived in my neighbor 's mailbox on XX/XX/year>. Both XXXX and Discover Card refuse to allow me a return, stating the transaction is " too old. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect this error and disregard for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX   / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXXXXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-07-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I just recently looked at my credit report, I saw some hard inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below. I also attached evidence. 

XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  XXXX XXXX/ XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX / XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Subject : Notice of Dispute and Cease and Desist Dear AmSher Collection Services, I am writing to formally dispute the debt referenced in your collection notice dated XXXX, associated with XXXX. I do not recognize this debt and request verification of its validity under the Fair Debt Collection Practices Act ( FDCPA ). 
Additionally, I hereby demand that you cease and desist all communication with me regarding this matter, except to provide written verification of the debt or to inform me that collection efforts are being terminated. 
If you fail to remove this collection from my credit reports, I intend to hold you liable under the dispute resolution clause in the original agreement with XXXX. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I purchased my vehicle back in 2021, my loan is for 4 years and only a 1/4 of the loan is paid off. The car has been giving me issue and trouble since i purchased it. I found out that the tires that i had to replace about XXXX time since i purchased the vehicle is due to them selling me the car with tires that are not suppose to be on the vehicle. too big for the car which i feel is a saftey issue. There has also been engine trouble as well. I have so much left to pay on this vehicle and the value of the car is over XXXX less than what i owe. I truly feel that something is wrong with the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF XXXX XXXX AND FRAUD WITHIN XXXX BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRAUDULENT, INACCURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL AUTO LOAN ACCOUNT OPENED AT XXXX XXXX UNDER ACCOUNT XXXX, AN PERSONAL LOAN OPENED AT XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I'VE ATTACHED A LIST OF THE HARD INQUIRIES IN QUESTION AS WELL AS A COPY OF THE ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS 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/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF XXXX XXXX AND FRAUD. I HAVE ATTACHED A COPY OF A FTC XXXX XXXX XXXX COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
It has been XXXX years and Venmo has held onto funds. They will not return the funds or release the funds, Venmo has not released funds and will not provide any details as to how to proceed with the steps to release funds XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation