vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have specifically asked my bank, US Bank on multiple occasions to not enroll me in any programs where overdraft coverages are allowed and then a fee is paid after an overdraft occurs. I did this when I opened my account in person, I did this again in person when I added an additional account holder. I have done this on numerous occasions since, over the phone with customer service representatives. I believe I have banked with them since XXXX. 
Recently I have noticed bank over draft fees coming out of my account but then being credited back and was under the assumption that it was some sort of auto debit and credit that just happened and then refunded, except this week multiple fees were not refunded back and I called my bank. I was informed that I had opted in to this service and that the fees were not to be refunded unless the bank had made an error. My partner is paid weekly by direct deposit so there is always a weekly deposit made in to the bank. I am paid bi weekly also by direct deposit so there are additional monthly deposits. I looked as far back as I could on my mobile app in to over draft fees and since the end of XX/XX/XXXX I have calculated over XXXX fees of {$36.00} that have not been credited back. 
I asked customer service representative to provide me proof of when I opted in to this service and they wont give it to me, I asked for a full accounting of overdraft fees paid to date & to speak to supervisors and was denied. I asked to speak to legal department and was denied. I was hung up on finally. 
I have never opted in to these protections in fact I have specifically asked that if there was not enough money in the account to cover a transaction that it be declined. I have reiterated this request on multiple occasions over the span of I believe 8 years and over and over again this will seem to be the case until they start sneaking them by on me in larger and larger numbers as they have done before in the past until I call and make a stink about it again. 
They keep saying I have opted in to this service but I have never not once done so knowingly in fact I have complained on numerous occasions and asked to have this service removed only to find out some months later that I have yet agian been re-enrolled in this service w/o my consent or knowledge.

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 2024-10-23 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: NJ

Complaint narrative:
This morning, I was completely taken aback to find inaccurate accounts on my credit report, and Im at a loss for why theyre there. I routinely check my credit report, but this time, there were shocking discrepancies that just appeared out of the blue. I thought it might be a glitch, so I refreshed my browser, but those incorrect accounts were still there. Im really hoping the documents I sent will be carefully examined so I can finally feel secure and not have to worry about this issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-10-23 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: MN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2024-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Filed dispute # XXXX on XX/XX/year> with Capital One against merchant XXXX on a canceled flight with charge of {$550.00}. Dispute was denied and closed on XX/XX/year>. My sister, which was on the same flight with me, also filed her dispute XXXX against the same merchant with Capital One on XX/XX/year>, her dispute was resolved on XX/XX/year> and she got her full refund back. We have uploaded same kind of supporting documents ( airline has supplied us with XXXX of XXXX XXXX ) to Capital One secured link. I have called Capital One and was told to uploaded a letter to request explanation of different outcomes of these XXXX disputes, i uploaded the letter on XX/XX/year>. I felt my dispute was not fully inspected by Capital Once, I received request to upload supporting doc on XX/XX/year>, which i did on XX/XX/year> and within less than XXXX hrs, the dispute was denied and closed. I want to know why is my dispute is denied while hers is approved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : NO INFO or CKS PRIME INVESTMENTS, with an alleged balance of {$1000.00} is inaccurately listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, NO INFO or CKS PRIME INVESTMENTS, with an alleged balance of {$1000.00} is inaccurately listed on my credit report has failed to provide validated and verified documentation, within 30 days, to prove the item ( XXXX ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of 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 explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern about the security of my personal information, as I have observed inaccurate items repeatedly appearing on my credit report that are unrelated to me. I am highly concerned about the potential risk of unauthorized access this may pose.

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 2024-10-22 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On or about XXXX XXXX I spoke with a representative at Experian about some Identity Theft on my credit report. I asked them to remove/delete these items from my report immediately. I was told that I have to file a complaint with the FTC and CFPB. The items in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
I have opened an account with XXXX to transfer money from my checking account in XXXX to my savings account in XXXX. Both accounts are solely owned by me. They allowed to complete my XXXX transfer, after that they have restricted my account. When I reached out to them, they closed my account without giving any reason. I feel very insulted on how they treated me. As a law abiding individual, I never violated anything. I feel very humiliated on how they treat me. Without asking for any verification, restricting or closing accounts is very unfair. I request them to accept their mistake and reinstate my account. 

I received a response from XXXX on XX/XX/year> without giving any information on why account was closed. I say again that I would like to understand what regulations were voilated in traferring from my own account in XXXX to my own account in XXXX. They are unfairly closing out the accounts based on some race or other kind of discrimination. Below is the response from XXXX on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I have no knowledge of this inquiry nor authorized it.

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 2024-10-23 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: OH

Complaint narrative:
I reviewed my consumer reports and notice that I had a 30-day late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payment for the account XXXX with account number : XXXX. Please investigate and provide proofs with statements showing that the payment was late. If a proof can not be provided, I demand these 30 days late payment be updated to ON TIME as it should be because I never been late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this time immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX - Account # : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

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 2024-10-22 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this time immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX - Account # : XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: AR

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT ACCOUNTS FROM MY 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern about the security of my personal information, as I have observed inaccurate items repeatedly appearing on my credit report that are unrelated to me. I am highly concerned about the potential risk of unauthorized access this may pose.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
account shows closed/charged off but still reporting on my credit

Company response to consumer: Closed with non-monetary relief