vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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 formally requesting an investigation into Equifax for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these inquiries to be made. Despite multiple requests, Equifax has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. These unauthorized hard inquiries raise serious concerns regarding Equifaxs compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information under 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may only provide a consumer report under specific conditions, including written consent from the consumer. Any violation of this provision not only breaches FCRA regulations but also subjects Equifax to liability. Here is a list of the unauthorized inquiries that have negatively impacted my credit score and financial standing : XXXX XXXX XXXX : XX/XX/year> & XX/XX/year> XXXX  XXXX : XX/XX/year> I have not provided any entity with the authority to access or pull my credit, and Equifaxs failure to comply with FCRA regulations has caused undue harm to my credit standing. Under the FCRA, Equifax is required to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. I respectfully request that the CFPB investigate Equifaxs practices, hold them accountable for failing to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, despite my repeated communications, including sending notarized documents via first-class mail. Equifax continues to ignore my requests, subjecting me to ongoing psychological harassment through their unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-09-19 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: NJ

Complaint narrative:
XX/XX/year> submitted 605C human trafficking proof to experian & transition ONLINE ( police reports, victim advocate letter, personal letter & proof of identity ) and which accounts need to be blocked. 

XXXX  have called daily and there has been no response or resolution. Each time I speak with a representative they say they are " too busy '' or backlogged. This violates the guidelines of the 605C debt bondage relief act. This is putting me at risk for losing my housing due to the deragatory information and I have told the representatives repeatedly of this emergency situation. I have reminded them that there are only 4 businesses days to block this information and we are past that deadline. 

TRANSUNION_ claims they do not have my documents and are not allowing me to upload them online. they have had my paperwork XXXX XX/XX/XXXX per the representative I spoke with today. it is now XX/XX/XXXX! Significantly beyond a 4 day period. 

I have rebuilt my life significantly over the last 5 years and this old information from a traumatic time in my life continues to haunt me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-19 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: TX

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

The following item on my credit report is incorrect and I request that you investigate and remove it : Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reported Late Payment Date : [ XX/XX/year> ] This late payment report is inaccurate because the payment in question was never actually late. The issue arose due to a dispute regarding an escrow account payment, which was charged unfairly for a reported lapse in our insurance policy. We were actively disputing this charge at the time, as we had continuous insurance coverage and believe the reported lapse was an error.

During this dispute process, we continued to make our regular mortgage payments on time. Unfortunately, it seems the disputed escrow amount was incorrectly flagged as a late payment.

I request that you investigate this matter and remove the erroneous late payment report from my credit history. If you are unable to verify the accuracy of this information, it should be promptly deleted from my credit report as required by the FCRA.

Please provide me with the results of your investigation within 30 days, as required by the FCRA. If you find that this information is indeed inaccurate, please send me an updated copy of my credit report.

Thank you for your prompt attention 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 explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I went in to Citibank located at XXXX XXXX XXXX in XXXX. When I went in to use the ATM there was several people standing around the ATM. Two men were using the machine left and right, leaving the middle ATM open. While standing online I ask the lady in front of me was she waiting to use the machine. She did not respond and moved to the side allowing me to use the ATM in the middle. I attempted to use the ATM putting my information in the machine and notice it was not working. The man on the left of me told me the machine worked and grab my card to show me that the machine worked by tapping it. When I looked up at the display my account was on screen and the man switched the card and handed me back a bogus card. I learned the following day that over {$48000.00} was withdrawn from my account through multiple transaction. There were over 40 transactions and the bank did not notify me nor send me an alert for the unusual activity that was happening on my account. After noticing these activities I alerted the fraud department on XX/XX/XXXX, a day after and the bank has not refunded my money nor given me a temporary credit for these fraud transactions.

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 2024-09-19 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-09-19 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-09-19 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: PA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : US BKPT CT XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : U.S. Bankruptcy Court # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I am writing to dispute the recent collection activity on my account, referenced by XXXX  I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter.

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt.

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts.

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies.

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MO

Complaint narrative:
I notice I had notice I had some inquiries on my account I never applied for due to my investigation my credit profile has definitely been used by some one attempting to get cars and credit cards

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 2024-09-19 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: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Spoke with Barclays XX/XX/XXXX. I'm always on time with payments and this would be considered my XXXX late payment with a new card that I applied for XX/XX/XXXX with JetBlue. My original purchase was for {$2400.00} which I was understood that the {$99.00} annual fee was included. With this knowledge I paid off the balance in full for the {$2400.00} on XXXX. Apparently, Barclays sent out a statement then on XX/XX/XXXX with the separate charge of the {$99.00} annual fee and I never received the card in the mail nor the statement. I typically pay off balances as soon as I can and was under the impression my balance was paid in full. I learned on XX/XX/XXXX when I was applying ( and denied ) for a HELOC loan with XXXX  that I had a delinquency with Barclays. Being completely unaware, as I paid off my balance on XXXX and have not since used this card, I was in shock so I contacted Barclays immediately. They are helping me to resolve this and the issue has been escalated as well a written letter sent into to resolve. They were able to take off the late fees and interest charges and I paid the annual fee amount of the {$99.00} on XX/XX/XXXX as soon as they let me know this was not in my original purchase ( that I paid off ). I would like this to not impact my credit score as I've worked hard to get it where it is and this one mishap took it down over XXXX points. I hope someone is able to help me resolve this issue.

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 2024-09-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank pulled a report from my XXXX credit report. They determined with that information to close my Lowes Credit Card. I explained to them it was not correct when they finally explained to me why my account was closed. They stated to few accounts paid as agreed, The length of the loan not enough paid for the timeline ( It was my mortgage ) I have paid the amount we are supposed to for over 4 years. On all my accounts I have paid as agreed and pay more the minimum every time I can. I always at least pay the minimum payments though. There are XXXX situations where I was not able to pay right away on XXXX of my accounts. XXXX of the accounts was 30 days late. The other account was 60 days. Only closed accounts were Lowes credit account and XXXX due to gear return issue but the balance is XXXX and stays on my report. I turned in everything they requested and was already out of the military at that time as well. They then told me I had to turn in gear that I supposed to still have but didnt it was turned in. I have called Synchrony Bank and XXXX to try and resolve the issue. They both tell me there is nothing they can do. I have XXXX and have served my country honorably and I feel they are closing accounts that should be still open. I got a letter when I disputed the account being closed. It arrived from Synchrony bank telling me their decision still stands. Even after I told them the information they used is incorrect I pay all my account as agreed and on time. The guy I also spoke with just kept asking me what do you want me to do over and over. He said transunion fixes the incorrect information. XXXX XXXX from XXXX told me they do not fix anything that they can only do credit report in the mail to me. XXXX from XXXX hung up the phone on me. XXXX was very rude as well she kept interrupting me not letting me fully explain what happened and why I was calling XXXX. Synchrony Bank told me I had to call them to dispute the information. I did dispute it and that is when the letter arrived. They closed my account out of the blue then told me to few accounts paid as agreed and not enough paid on the length of the loan which was our mortgage loan for our house. Them closing my account my credit score dropped over XXXX points and negatively affected my credit when I did nothing wrong. They refuse to help any further and I feel they are discriminating based on false information. Synchrony Bank told me they use that information to determine credit worthiness and to see if customers will pay their bills. I explained to him that I do pay on time and the amounts agreed. He stated how do I know that. When clearly that was a lie because they can see I paid mine on time and amounts agreed.

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 2024-09-19 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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