vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was notified by Experian that I must OPT OUT of receiving 3rd party solicitations. 
Opting out is bad enough but they want my SOCIAL SECURITY NUMBER to OPT OUT???? They also want other personal information that is NOT NEEDED to OPT out of basically advertisements. On top of that it was very difficult to get to the right page to opt out. I want to OPT OUT WITHOUT PROVIDING UNNECESSARY PERSONAL INFORMATON. This should be an OPT IN NOT an opt out!!!

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 2024-12-21 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: NJ

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  4 late payments. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _______________ Name _______________ Address _______________ Town, State and Zip _______________ Social Security No _______________ Date of Birth

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 2024-12-21 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: NJ

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXXXXXX 4 late payments. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _______________ Name _______________ Address _______________ Town, State and Zip _______________ Social Security No _______________ Date of Birth

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My identity was stolen and someone created a fraudulent account under my information. I contacted Experian in XXXX several times and spent hours on the phone. They had created Escalation ticket # XXXX. The fraudulent account is still in control of my Experian credit report and I can not access their services. I froze my credit due to the initial identity theft and I can not unfreeze it now that I need to. 

It has been over a year without them being able to simply remove a fake account created with my information so that I can create my own Experian 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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
On XX/XX/year>. I made a purchase on this card in the amount of {$270.00} and expected it to be paid as I had set up autopay when I opened the card. I found out more than two months later due to their poor communications that this card hadn't been paid and racked up a whooping {$86.00} in interest and late fees. I don't know if it was malicious or not, but the autopay was reset. This has ruined by credit by them maliciously reporting this as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 per 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 2024-12-22 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: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-12-21 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: Hillcrest Davidson & Associates
State: FL

Complaint narrative:
I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT.. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MORTGAGE. 

XXXX XXXX  XXXX ACCOUNT : XXXX AMOUNT {$570.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT {$4000.00} HILLCREST DAVIDSON NA ACCOUNT # XXXX AMOUNT {$9700.00} XXXX  ACCOUNT # XXXX AMOUNT {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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 XXXX  AT THE TIME OF THE IDENTITY THEFT.. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MORTGAGE. 

XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$570.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT {$4000.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$9700.00} XXXX  ACCOUNT # XXXX AMOUNT {$120.00}

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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
I have done a mistake of only credit card utilisation of 99 % which is already my secured credit card but My credit bureau " Experian '' has been updated XXXX in my credit report & my all going XXXX is on XXXX & recently I already cleared a successful loan of my account. Is it a way to update credit report. Totally fake upgradation on Credit report by " Experian ''.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This all alone do not belong to me Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Over 1 month ago I asked if I could close my bank account over the phone instead of going inside the branch. They said yes. During the closing of the account, however I had been mistakingly auto debited for my car payment ( even though it was already taken out of another account, so I was dinged twice ), so I requested a stop payment on this item. I also requested a stop payment on an unauthorized charge from a doctor ( for {$300.00} ). They told me it would take a little while for the stop payments to go through and then the account would close. After several weeks of my account still being open, I went into the branch and asked if I could please withdraw my money from the account. The teller was told by BOA that I could if they reopened my account again from its closing status, and then close it again. After trying to do this BOA on the phone ( fraud dept ) said no, we can not do this for you because its in a closed status. I asked how long until the account would close since they originally told me 10 business days and it had now been 3 full weeks. She said she did not know but it would be the end of that week. This was 2 weeks ago. My account is still open, it still shows a balance of {$450.00} and I have not received my check for the funds in my account. I need my money back now!!! No one can give me any date as to when I will receive my money back. Please help or I will be getting my lawyer involved.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I placed an order on XXXX using my XXXX account which had my XXXX XXXX XXXX XXXX as the method of payment. I received confirmation from XXXX that the payment went through. The next day I got an email from credit one saying the purchased was declined for insufficient funds. I thought nothing of it thinking XXXX would send an update that they had to cancel the order but instead I saw an email on XX/XX/XXXX dated for XX/XX/XXXX saying the order shipped. I then contacted all parties trying to figure out how this sale went through and found that XXXX chose to submit the payment without my authorization, through my Ally debit card after XXXX XXXX declined the charge. This issue is further complicated by Ally since I had my debit card locked in XXXX because I lost it and Ally allowed my account to be accessed via a card that was inactive. All parties keep passing the buck, no one contacted the shipper to pull the item back, it was delivered on XX/XX/XXXX and no one wants to fix this situation.

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 2024-12-21 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:
To whom it may concern : My goal is to ensure that the information on my credit report is accurate and reliable. I have decided to use my rights under FCRA to challenge any information in my credit report that is not accurate. This is just an allegation at this point, so I need you to provide evidence before taking any drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct formatthis is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. I'm fighting back against this injustice so I can get my life back! Please send over some physical proof of what has been done and an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to dispute the presence of certain charge offs on my credit report. I believe that these closed account/charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX requirements. 

Specifically, I believe that the information reported by your agency regarding the closed account/charge off is inaccurate, incomplete, and misleading. As a result, my XXXX XXXX has been unfair impacted and I have suffered damages as a result. 

Under the FCRA, it is your responsibility to ensure that all information is reported to credit bureaus is accurate and up to date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 

Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 

Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: PA

Complaint narrative:
I am writing to dispute the following inaccurate information that appears in my credit report. These accounts are inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated and promptly delete any inaccurate account from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these 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 explanation
Consumer complaint received 2024-12-21 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:
XXXX XXXX is not abiding by consumer laws, reporting information inaccurately to credit bureaus violating the Truth in Lending Act ( TILA ), 15 USC 1602, and the Fair Credit Billing Act ( FCBA ), 15 USC 1666b. They have been reporting a charge-off to my credit while wrongfully still claiming a debt is owed, which is a clear violation of consumer protection laws. Under these statutes, once an account is charged off, you are prohibited from continuing to assert that the debt is outstanding. The account was charged off and reported by XXXX XXXX in XX/XX/year>. Since charging the account off, the company continues to illegally report the account as an outstanding debt with late payments. The inaccuracies was admitted in a letter received from XXXX XXXX however the did not remove the reporting due to violating consumer laws. I request immediate correction of my credit report to reflect the removal of the account due to the violations.

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 2024-12-21 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:
XXXX XXXX is not abiding by consumer laws, reporting information inaccurately to credit bureaus violating the Truth in Lending Act ( TILA ), 15 USC 1602, and the Fair Credit Billing Act ( FCBA ), 15 USC 1666b. They have been reporting a charge-off to my credit while wrongfully still claiming a debt is owed, which is a clear violation of consumer protection laws. Under these statutes, once an account is charged off, you are prohibited from continuing to assert that the debt is outstanding. The account was charged off and reported by XXXX XXXX in XX/XX/year>. Since charging the account off, the company continues to illegally report the account as an outstanding debt with late payments. The inaccuracies was admitted in a letter received from XXXX XXXX however the did not remove the reporting due to violating consumer laws. I request immediate correction of my credit report to reflect the removal of the account due to the violations.

Company response to consumer: Closed with explanation