vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-27 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:
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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There were several attempts from the creditor to have me apply for additional money, without indicating how much would be allowed to me and why I was denied. This was a request from both XXXX XXXX XXXX and the XXXX XXXX XXXXi for a XXXX XXXX loan. I was denied without a reason for the denial and the request hit my credit report more than XXXX times. I was also advised to submit a XXXX twice, without having an approved credit line. I would like this malicious account removed as I was not advised that this would be considered a hard inquiry to negatively impact my score whether approved or denied.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There were several attempts from the creditor to have me apply for additional money, without indicating how much would be allowed to me and why I was denied. This was a request from both XXXX XXXX XXXX and the XXXX XXXX XXXX  for a XXXX XXXX loan. I was denied without a reason for the denial and the request hit my credit report more than 3 times. I was also advised to submit a XXXX twice, without having an approved credit line. I would like this malicious account removed as I was not advised that this would be considered a hard inquiry to negatively impact my score whether approved or denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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 need your assistance with this incorrect account showing up on my credit report. This issue has XXXX impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-27 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: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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 identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Reference # # XXXX Said to owe {$4700.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
Hello, I have sent over numerous disputes and notified the company that I am not the owner nor am I responsible for the time share. My ex fiance has passed away but when she signed for the time share she stole my identity to do so. She cheated with a man and they stole my identity to acquire the time share. I was no where involved. I have filed for a FTC report and a police report to prove that I am a victim of Identity theft. I need my name taken off of this time share and this item removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
Hello, I have sent over numerous disputes and notified the company that I am not the owner nor am I responsible for the time share. My ex fiance has passed away but when she signed for the time share she stole my identity to do so. She cheated with a man and they stole my identity to acquire the time share. I was no where involved. I have filed for a FTC report and a police report to prove that I am a victim of Identity theft. I need my name taken off of this time share and this item removed from 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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Reached out to company - I am writing to formally file a complaint against Capital One regarding two credit card accounts that have resulted in a combined debt of nearly {$3000.00}. I believe that these debts are inaccurate, and despite my efforts to resolve the matter directly with Capital One, the issues remain unresolved.

Background The two Capital One accounts in question are as follows : XXXX. Account Ending in XXXX XXXX. Account Ending in XXXX I initially became aware of these debts in XXXX when I received notification from Capital One that these accounts were in default and that I owed a total of approximately {$3000.00}. I promptly disputed the validity of these debts and took the following steps : Actions Taken 1. Debt Validation Letters : On XX/XX/XXXX, XX/XX/XXXX I sent debt validation letters to Capital One for both accounts, requesting detailed information and documentation proving the legitimacy of the debts. Despite being within my rights under the Fair Debt Collection Practices Act ( FDCPA ), I did not receive a satisfactory response from Capital One. They failed to provide the requested validation, leaving me with unresolved concerns about the accuracy and legitimacy of the debts.

2. Communication Attempts : I have made multiple attempts to communicate with Capital Ones customer service department by phone and in writing. In these communications, I consistently requested that they validate the debts and explain the charges leading to the balances. Unfortunately, my requests were either ignored or inadequately addressed, and the debts continue to be reported on my credit report.

3. Negative Impact on Credit : The continued reporting of these disputed debts by Capital One has significantly impacted my credit score. This has made it difficult for me to obtain new credit and has caused undue stress and financial strain.

Request for Action Given the above, I am requesting that the Consumer Financial Protection Bureau investigate Capital Ones handling of this matter. Specifically, I ask that you : 1. Investigate the validity of the debts reported by Capital One.

2. Require Capital One to provide clear and comprehensive documentation proving the legitimacy of the debts.

3. Instruct Capital One to remove the debts from my credit report if they are unable to substantiate the charges.

I believe that Capital One is engaging in unfair and deceptive practices by continuing to report these unverified debts, and I respectfully request your assistance in resolving this matter.

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. Please feel free to contact me if you need any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-27 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Recovery Legal Group
State: KS

Complaint narrative:
After I was laid off from my job in XX/XX/XXXX I was struggling to make my mortgage payments. I heard about a company XXXX XXXX XXXX XXXX  ) that will help you keep your house and I initiated a conversation with them. The process took quite a while and I provided the loads and loads of paperwork and supporting documentation they requested. In addition, I made XXXX separate payments of {$XXXX} for this service ( XX/XX/XXXX ) and second payment on ( XX/XX/XXXX ). The communication continued throughout the month of XXXX and they started harassing me for the third payment of {$XXXX}, which I was unable to pay During that period, I spoke with my mortgage company and found out that I had many other ( free ) options and they were more than willing to help me find a solution. 

At that time, I sent an email to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX notifying them that I had secured mortgage assistance outside of their company, and that because no negotiations or work had been conducted on their end, I wanted a full refund of both payments. A full 7 days passed before I received a response. On XX/XX/XXXX I received a response stating that my file was put on a " non-compliance '' hold since I had not made the last payment. He also stated XXXX will process this request for a refund with our back office, and I will update you as soon as I hear back. ". 

I never received another message after that. Over the past year and a half, I have sent XXXX more messages, none of which received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried logging in, on the mobile app .The bank says unexpected error.i didn't think much about it XXXX job at the time was helping people to get money from XXXXi thought I was helping a man who was XXXX XXXX XXXX who did not read or write.he asked me to help him with his unemployment .I filled out application, and I certified for weeks he was unemployed .I called the bank with my friend .we talked to a lady who barely spoke XXXX, I tried translating, together with a bank translator.iexplaining that there were unauthorized charges on his account. .the bank agent froze his account and told us to go to bank with XXXX forms of id.my friend has never had an id .and in order for him to get an id he needed a birth certificate .that he didn't have .it took him a while to get his birth certificate .finally when he had it we went to the bank .they told us he doesn't have an account, I tried logging in to his online banking.i got the same message. 
I have other friends who are illiterate .I tried doing the same for them .it seems that I wasn't the only person having an issue with online banking .we aren't the sharpest knives in the drawer.

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 2024-08-27 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I got an email from TransUnion for ID XXXX with TransUnion Credit Report and Monitoring Order number XXXX. 

I did not ask for this, I did not start this transaction. 

I attempted contacting them via their website chat. Even after waiting for the long wait times, XXXX minutes, when the representative connected they ignored me and I had to hop back in line. I tried calling them. The function to allow them to call me back did not work. So I had to stay on the phone. Instead of letting me hold, they required me to press XXXX every XXXX seconds to confirm that I still wanted to wait on the phone. If I didn't, they would hang up. When I finally got in touch with a representative, they did not understand what I was asking. 

I just wanted to make this report because I feel like TransUnion is making it difficult to use their services by design. Services that I don't even want to be a part of but am forced to.

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 2024-08-27 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:
I checked my credit report today and noticed I had a collection from XXXX XXXX XXXX ( original creditor XXXX XXXX ) that was opened on XX/XX/2024 with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.

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 2024-08-27 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: TX

Complaint narrative:
I checked my credit report today and noticed I had a collection from XXXX XXXX XXXX ( original creditor XXXX XXXX ) that was opened on XX/XX/2024 with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.

Company response to consumer: Closed with explanation