vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and has violated my rights. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report and XXXX some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i, I am requesting a reinvestigation of this/these item ( s ). Please provide me with a copy of the results of your reinvestigation.

According to 15 USC 1681c-2, if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Additionally, under 15 USC 1681s-2, furnishers of information to credit reporting agencies are required to provide accurate information. They should 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.

According to 15 USC 1681c-5, treatment of inaccurate or unverifiable information requires that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I asked the company to block out this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act and to send me a notification of the act taken on my behalf. The information was not blocked within the 4 business days and still remains on my credit.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), resulting from their mishandling of my identity theft claim and failure to remove fraudulent information from my credit report following the XXXX XXXX breach. 

Summary of the Issue : I, XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX data XXXX. My personal information has been used without my authorization to open fraudulent accounts, make unauthorized inquiries, and file a false Chapter XXXX bankruptcy. Despite my efforts to resolve these issues, Experian has failed to comply with its legal obligations under the FCRA to ensure the accuracy of my credit report and to block fraudulent information upon receiving the appropriate documentation. 

Failure to Remove Fraudulent Names Violation : Reporting inaccurate names despite dispute. 
Code : 15 U.S.C. 1681c Limits the reporting of obsolete or inaccurate information.

2. Failure to Remove Fraudulent Addresses Violation : Reporting inaccurate addresses where you have never lived.

Code : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual.

3. Failure to Remove Fraudulent Employers Violation : Reporting employers that you have never worked for.

Code : 15 U.S.C. 1681e ( a ) Obligation to maintain reasonable procedures to avoid errors in consumer reports.

4. Failure to Block Fraudulent Accounts Violation : Failing to block or remove fraudulent accounts even after identity theft documentation was submitted.

Code : 15 U.S.C. 1681c-2 ( a ) Credit reporting agencies must block the reporting of fraudulent information within four business days after receiving proper documentation of identity theft.

5. Failure to Remove Unauthorized Credit Inquiries Violation : Reporting unauthorized inquiries without your consent.

Code : 15 U.S.C. 1681b Limits the purposes for which consumer reports may be accessed. Unauthorized inquiries should not appear on a report.

6. Failure to Remove a Fraudulent Bankruptcy Violation : Reporting a bankruptcy that was never filed by you.

Code : 15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure the accuracy of the information they report.

Additional Reference for Dispute Process : Code : 15 U.S.C. 1681i Credit reporting agencies are required to reinvestigate disputes of inaccurate information within 30 days.

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 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i called my bank capital one regarding my concerns about some charges that i did not committed. I told them my story but i feel like they're using it against me or we are not understanding each other but all the information that im getting is that they said they have enough evidence to determine that i was the one responsible for the charges. basically they want me to do my own investigation hire an attorney and go get videos of the gas stations and groceries stores when i dont got time or money to do all of that. and i think the main reason that they think i did it was because i told them i made one of those transaction and them i called them telling them that i havent because in one them it saids transaction for XXXX but i didnt made it i went to XXXX  that day and i made a payment with my other credit card XXXX XXXX and i got proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 Personal Information Previous Address ( es ) : X XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 XXXX : XXXX XXXX XXXX  Employers XXXX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX received letter from lender addressed to the estate ( residential address ) dated XXXX XXXX XXXX re : check hasn't been cashed as of yet XXXX XXXX XXXX check was issued to the estate and " in care of '' my name in error because the money was paid from my individual bank account and the estate was closed XX/XX/year>

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 2024-10-06 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Under 15 U.S.C. 1681 - Fair Credit Reporting Act, I requested XXXX XXXXXXXX XXXX to provide me with Legal Court Documents that supported the foreclosure on our ownership of a " property '' in XXXX XXXX. I also asked for the right service papers and documentation to prove that we received and accepted the summons. 

Nothing has been provided and a foreclosure just showed up on our credit report, causing harm.

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 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was a victim of a scam where I sent money via XXXX on XX/XX/year> to XXXX XXXX for {$150.00} and {$1.00} totaling {$150.00}. This was a deposit for a flooring project but the work was never done. 

Chase had denied my claim saying it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not give them permission to run anything I would like to see it be removed from my inquiries due to me not approving, said inquiry

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 2024-10-06 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.
State: FL

Complaint narrative:
Subject : Request for Immediate Removal of XXXX XXXX XXXX Information under Law 623 A-5 and 15 USC 609 A1 and 609 A2 XXXX Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Date XXXX  Status Last Updated : XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of the XXXX  listed on my credit report, as I believe it has been incorrectly verified and represents a violation of my rights as a consumer. 
Recently, I sent a letter to the court that handled my XXXX  asking if they report XXXX  to credit agencies. In response, the court confirmed in writing that they " do not report any XXXX  to credit agencies. '' This means that the legitimate source of the information, the court, does not provide this data to credit agencies. 

On XX/XX/XXXX, I submitted an investigation request to the credit agencies asking how they verified the XXXX  and its details. I later received a response stating that the XXXX  had been verified and that no changes were necessary for either the XXXX  itself or the related accounts. My question is : how was it verified if the court, which is the legitimate source of the information, does not report XXXX  to credit agencies? 

This raises a significant concern : if the court does not provide this information, the verification could not have been accurate, which represents a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of the XXXX  and all related accounts, as the information has not been properly verified. 

According to the FCRA, if the credit bureau can not validate the information with the original creditor, they must remove it from the consumer 's credit file.

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 2024-10-06 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: GA

Complaint narrative:
I am victim of identity theft stemming from the XXXX XXXX XXXX, XXXX XXXX XXXX and also XXXX XXXX  XXXX XXXX  attached is a copy of my identity theft report showing all fraudulent accounts it is against consumer law to report wrong or fraudulent accounts to consumer credit reports Transunion XXXX XXXX XXXX XXXX XXXX {$1200.00} Account Number : XXXX XXXX {$1100.00} Account Number : XXXX XXXX Bank {$630.00} Account Number : XXXX XXXX Bank {$1200.00} Account Number : 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 2024-10-06 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: PA

Complaint narrative:
I notice some unauthorized inquiries on my report from XXXX XXXX bank and XXXX XXXX XXXX XXXX. Please remove these inquiries as I did not give permissible purpose for anyone to pull my report.. attached is an ftc report please remove immediately.

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 2024-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
XX/XX/XXXX help for homeowners sent my mortgage company {$14000.00} and additional XXXX more payments in advance. which caught me u XXXX balance owed and I had to start making payments in XX/XX/XXXX. I paid in XX/XX/XXXX until XXXX XXXX my mortgage company held XXXX checks for 5 months and sent them back and filed foreclosure on my home. i was not behind. I have a foreclosure hearing XX/XX/XXXX my mortgage filed the foreclosure process before time which I was not behind on payment noe i am under alot of XXXX and don't know what to do. my mortgage company was the error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: Kikoff Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end XXXX consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The attached credit report contains unverifiable contact information which under federal laws should be removed. Secondly, the company has not provided my requested XXXX XXXX that they are reporting.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
There are late payments being reported for months in XXXX and months in XXXX that were doing the time of a pandemic. During those months I was given the pandemic deferment, but my account doesnt reflect that. 
I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end XXXX consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: MoneyLion Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end XXXX consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: TN

Complaint narrative:
I am not requesting verification of my mailing address but proper validation of the debt. Coast Professional , Inc. is required to provide the original wet-ink contract bearing my signature, confirming my agreement to pay for the goods or services in question. Without this validation, Coast Professional , Inc. has no legal standing to collect this debt, and any attempts to do so are a violation of the Fair Debt Collection Practices Act ( FDCPA ).

I direct your attention to the Federal Trade Commission 's ( FTC ) opinion letter, which further clarifies that mere itemized statements or printouts do not satisfy the requirements for validation. If such documents are provided, they will be rejected as insufficient validation. Coast Professional , Inc. must cease all collection efforts until proper validation is provided.

Company response to consumer: Closed with explanation