vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I see there was an inquiry on my credit reports. What was the reasoning behind my credit being pulled by your company?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Capital Management Services, LP
State: FL

Complaint narrative:
I see there was an inquiry on my credit reports. What was the reasoning behind my credit being pulled by your company?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Credit Reporting Agencies Experian, XXXX, XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against Credit Reporting Agencies Experian XXXX XXXX, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XXXX XXXX, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX XXXX XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Credit Reporting Experian XXXX XXXX, XXXX continue to furnish information related to my account with XXXX XXXX XXXX XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Credit Reporting Experian, XXXX, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Credit Reporting Experian, XXXX, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Credit Reporting Experian, XXXX, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
I checked my credit and saw inquiries I did not recognize. XXXX XXXX requested my report On XX/XX/2023, XX/XX/2023 and XXXX XXXXXXXX  XXXX via XXXX XXXX XXXX Requested it On XX/XX/2023. I did not make these inquiries. I called Transition and was told to file a FTC fraud 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 2024-06-10 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. Validate the late payments. I have never been late on this account. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 12 CFR PART 1022 [ DOCKET NO.

CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO 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
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Please have equifax remove this report from my credit report. XXXX its self admitted to the account being fraudulent. Please remove it as soon as possible. Thank you. I have picture of all of the other bureau not reporting except equifax and XXXX admitting the account was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Request for Expedited Removal of Unauthorized Credit Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. 

On XX/XX/XXXX, I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities.

Attached to this letter, you will find a copy of the Identity Theft Report filed with [ Specify the Authority, e.g., local police department, Federal Trade Commission ], which details the nature of the theft and supports my claim of these inquiries being fraudulent. 

Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that the CFPB intervene to ensure that Equifax addresses this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances.

Please find below the details of the unauthorized inquiries for your reference : I trust that the CFPB will assist in rectifying this matter swiftly. Please do not hesitate to contact me at XXXX or XXXX should you need any more details or documentation to facilitate the resolution of this issue. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an AMEX gift card from my local XXXX. I have been unable to use these cards after buying. 
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 
I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 
They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 
This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 
This is simply not the case. I can not reach a esolution with AMEX customer service nor can the original purchaser. 
have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion and XXXX have been reporting information on my credit file that is not authorized. I have sent each of these companies opt-out notices to prevent sharing of my information. The following companies are not authorized to share my information with affiliates or non-affiliates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Privacy Notice provided by each of these companies, Federal law gives me the right to limit only 1 - sharing for affiliates ' everyday business purposes-information about your creditworthiness 2 - affiliates from using your information to market to you 3 - sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. 

Transunion and XXXX are not only in violation of Federal Law, but are not affiliates of any of these companies. In accordance with their Privacy Notices, Affiliates are companies related by common ownership or control. Sharing my information about credit-worthiness is not authorized, and this fact is supported by the Privacy Notices they have provided, and my mailed requests to opt-out of such reporting. 

I have submitted multiple complaints via the companies as well as the CFPB.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to dispute off the following accounts on my credit report. 


XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$3100.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX TRANSUNION : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXXXXXX  Account Number : XXXX {$21000.00} XX/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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under FCRA Section 605 ( c ), it is illegal for creditors, collection agencies, and credit bureaus to re-age an account by updating the date of last activity to extend the time negative information remains on a credit report. Violators can be fined {$1000.00} for each account.

The date of last activity on a collection account should reflect the last payment date. Reporting inaccurate information is a violation of federal law.

Upon investigating the accounts and cross-referencing the data from the original sources with the information reported to all three major credit bureaus, I am attaching copies of all letters sent below. 

I request an immediate investigation and correction of these discrepancies. Please respond within the 30-day period as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
yes I do no my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: FL

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 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Credit Reporting Agencies XXXX, Transunion, XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against Credit Reporting Agencies XXXX XXXX Transunion, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XXXX XXXX, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX XXXX XXXX XXXX attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Credit Reporting XXXX XXXX Transunion, XXXX continue to furnish information related to my account with XXXX XXXX XXXX XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Credit Reporting XXXX, Transunion, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Credit Reporting XXXX, Transunion, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Credit Reporting XXXX, Transunion, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, & XXXX continues to report the account XXXX Account # XXXX incorrectly which causing me significant harm. They keep claiming to verify the account as accurate but they have provided no evidence that they even completed a reasonable investigation into my claims. The account can not be reporting as charge off because banks and financial institutions are insured under FDIC and does not incur any losses. The consumer agencies are not following federal law and their internal policies does not override law. This is my final attempt to get them to remove this account or take this as legal notice that I sue each consumer agency independently for various violations of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: GA

Complaint narrative:
No correspondence including collection letter stating my right to dispute collections was received. No phone call and no letters has been received by any mail service. 

I am writing to request validation of a debt that you have reported on my credit report. I do not have an account number for this debt, as I have never received any correspondence from your agency. However, I am providing the following information to help you locate the account : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please provide the following information : 1. The name and address of the original creditor.

2. The original account number, if available.

3. The amount of the debt.

4. An itemized statement of the charges and payments.

5. Proof that you have the legal right to collect this debt.

According to the Fair Debt Collection Practices Act, you are required to provide this information. Please note that this is not an acknowledgment or acceptance of the debt. A copy of this letter will be sent via certified mail to the address listed on my credit report as well as all three credit reporting agencies.

Company response to consumer: Closed with explanation