vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I obtained a copy of my consumer report and noticed that XXXX, XXXX, and Transunion are reporting inaccurate information on my credit report. I do not recall doing any business with any of these companies ( XXXX XXXX XXXX AccountXX/XX/XXXX for {$370.00} anXX/XX/XXXX Account XX/XX/XXXXfor {$160.00} ). I also want all the addresses below deleted as I no longer live there, and some of these I do not recognize. ( XXXX ) XXXX XXXXXX/XX/XXXX, XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WY XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NC XXXX, ( XXXX ) XXXX XX/XX/XXXXXXXX, MI XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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:
I obtained a copy of my consumer report and noticed that XXXX, Equifax, and XXXX are reporting inaccurate information on my credit report. I do not recall doing any business with any of these companies ( XXXX XXXX XXXX Account XXXX XXXX XXXX for {$370.00} and XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX for {$160.00} ). I also want all the addresses below deleted as I no longer live there, and some of these I do not recognize. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WY XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NC XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As : XXXX, XXXX, XXXX XXXX Off : XXXX XXXX XX/XX/year> {$8300.00} XXXX XXXX XX/XX/year> {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to CONSERVE in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NV

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
There has been no activity on my account in years and I have made multiple request for them to close the account. The account is still open and they continue to send me bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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 non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX is incorrectly reporting a debt on my credit report. XXXX, XXXX and XXXX. According to 15 U.S. Code 1692g - Validation of debts. I respected a copy of a contract that I agreed to pay this debt and that I am the owner of this debt. They have not provided any documentation that I owed this debt. I am a victim of Identity, and this is not my debt. They have not provided me with any validation. I am a victim of identity theft. I will be force to take legal actions if this is not deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: MD

Complaint narrative:
XXXX XXXX XXXX is charging interest and making my credit go down, They may only charge interest and fees as they were outlined in the original contract. That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). I did not sign a contract with XXXX XXXX XXXX and i have asked transunion multiple times to provide me with this proof, they keep sending me a letter stating its accurate and thats it. My name is not enough for proof. This is not my debt and i do not owe any apartment complex any money, if this was the case there would be a eviction on file with maryland courts. I am demanding to remove off my credit, this is hurting my credit everytime they add interest that is not even apart of any contract i have signed. This is not a credit card or open loan to add interest because they took the debt from a company that is stating its mines and i explained to them that this debt is not my debt. They are refusing to remove this debt off my credit and this is against the fair credit reporting laws in maryland. XXXX XXXX XXXX has long term records of making people pay debts that are not theirs, they are harassing 's me and very aggressive trying to tell me this is my debt and sending me a lease for proof. that is not proof of the debt the complex is stating is mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please forgive my grammar On XX/XX/XXXX I listed my tires and rims for sale on my XXXX for {$500.00}, a few hours later I was contacted by XXXX XXXX XXXX expressing his interest and we agreed to meet for inspections, he came and liked them. He decided to pay me via XXXX which I wasn't comfortable with but eventually agreed, he sent me {$500.00}, and I logged into my Capital One account and saw the money. We shook hands and he left with the items. XXXX days later, he called to tell me he didn't want the tire and rims anymore and would like his money back. I said no problem and told him to bring them to me and I would pay him back via XXXX. 

He refused insisting on me sending him XXXX then he will send my tire and rims via XXXX which is very suspicious because I'm afraid I might not hear from him anymore. He threatened to deal with me which I didn't take seriously. 

On XX/XX/XXXX, I found out my account had been restricted by Capital One, I called to find out what was going on. Capital One told me someone disputed a XXXX transaction and I explained to them what transpired between us. Capital One asked for his phone number to confirm, I gave them the phone number but Capital One said they couldn't verify the phone number was registered in his name, how am I supposed to have so much information from someone I met for XXXX minutes? The phone number XXXX XXXX XXXX provided is registered with XXXX in his name but Capital One refused that and told me to go find another number their system can verify which makes no sense to me. Now they are threatening to close my account without listening to my side of the story I also have no access to my money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NV

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
Recently a request was sent to Equifax to provide a purchase order, debt validation letter as well as Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED.

When this was requested a punishment mark was added to credit that tanked score by XXXX points. Debt was already invalidated by Experian and removed and company continues to report incorrect data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have gotten a service charge fee on XX/XX/XXXX when I had money in my account, returned check fee XX/XX/XXXX and XX/XX/XXXX and all of my charges were covered and they was not able to even tell me why. Another service charge fee XX/XX/XXXX with money in my account. Return item fee when nothing withdrew from my account or made my account overdrawn to return any item. Return item again and again no item was withdrawn or tried to withdraw on XX/XX/XXXX. Charge fee XX/XX/XXXX. Alos the bank will take the money for a purchase and then try to say it's pending later and try taking the money again as if you haven't paid it, rearranging purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief