vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I am writing to formally request your assistance in resolving a critical issue regarding inaccuracies on my credit report, which have severely impacted my ability to purchase a home. I discovered that my student loan accounts are being reported with a " collection '' or " charged off '' status, despite my consistent good standing and compliance with all repayment obligations. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, as it fails to ensure the accuracy and integrity of the information being reported. 

The emotional distress caused by this situation is profound, as the inaccurate reporting has obstructed my ability to achieve homeownership, a significant milestone in my life. I respectfully request that the CFPB investigate this matter promptly and work with the relevant credit reporting agencies and loan servicers to correct these inaccuracies and remove the erroneous information from my credit report. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under U. S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
This CFPB compliant has been filed to request pursuant to FCRA XXXX XXXX ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information 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 XXXX XXXX  These credit accounts are the results of identity theft and fraud.

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 2024-12-29 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00}

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
As a good paying Loyal Customer never paying latr, Citibank ( CitiCards ) closed my account with no notification or warning. 

I was induced into paying my aannual fee of {$450.00} on XX/XX/year>, with the chance of re-opening my Credit Card Account. 

The account was for the XXXX XXXX XXXX  XXXX Card wih an annual fee. I was told that the {$450.00} would be refunded to me because it was paid and the account was closed per their policy with in 37 days which is their policy Ctibank Lied to me, and I was told multiple times it should be refunded to me beause it fit into the 37 day windowm. 

They charged me for a closed account and never had any intention of refundme this amount. I paid this in Good faith, and Citicards actedin Bad Faith and fraudulaenty kept my {$450.00} for a closed account. 

I have spent counless hours and phone call in to Citibaks as recently as today, and was told again they will not and can not refund the $ XXXXCitibank ( CitCards ) fraudently kept my {$450.00} for a service and Card Benefits they did not provide to 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 explanation
Consumer complaint received 2024-12-29 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 formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 2024-12-29 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: DISCOVER BANK
State: NJ

Complaint narrative:
I did not file XXXX  its reporting on my credit report I was a victim of identity theft where someone use my name and git discover credit card on my account I submitted a copy of my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that were made without my permission. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires my express consent for any hard inquiry. I did not authorize these inquiries, and their presence is both unauthorized and detrimental to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that were made without my permission. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires my express consent for any hard inquiry. I did not authorize these inquiries, and their presence is both unauthorized and detrimental to my credit profile.

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 2024-12-29 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX  XXXX XXXX Balance {$5500.00} XXXX XXXX Balance {$430.00} XXXXXXXX XXXX XXXX Balance {$250.00} XXXX Inquired on XX/XX/year> 2024

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 2024-12-29 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: FL

Complaint narrative:
Subject : Notice of Deletion of XXXX XXXX XXXX XXXX Charge-Off and Request for Removal from All Credit Reports Dear Sir/Madam, I am writing to inform you of the recent deletion of a charge-off from my XXXX credit report related to XXXX XXXX XXXX XXXX ( XXXX ) . The account, identified as " XXXX XXXX XXXX XXXX XXXX, '' had a reported balance of {$1000.00} and was listed as a charge-off. 

As of XX/XX/year>, after submitting a formal dispute, XXXX completed their investigation and deleted the account from my XXXX report. Please find the relevant details of the account : Account Name : XXXX XXXX XXXX XXXX Account Type : Charge-Off Amount : {$1000.00} Dispute Resolution Date : XX/XX/year> Outcome : Account Deleted According to the Fair Credit Reporting Act ( FCRA ), a consumer is entitled to accurate and verifiable information being reported on their credit report. Since XXXX has completed their investigation and determined that the information is unverifiable, they have deleted this account from my XXXX credit file. 

In light of the deletion from XXXX, I kindly request that all other credit reporting agencies, including but not limited to XXXX, Experian, and XXXX, conduct a thorough review of this account. If these agencies can not verify this debt, I am requesting that they remove the account from my credit reports as well. The FCRA mandates that credit reporting agencies must ensure that any information they report is accurate, and if they can not verify the information, it must be deleted. 

Legal Basis for Removal : Fair Credit Reporting Act ( FCRA ) Section 1681i : This section states that if any information is found to be inaccurate or unverifiable during a dispute process, it must be removed or corrected. Given that XXXX has deleted the account, the other CRAs are obligated to ensure their reports reflect accurate and verified information. 

Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ) : Requires that credit reporting agencies maintain procedures to ensure the accuracy of the information reported. 

Please take notice that I am requesting the removal of this unverifiable account within 30 days or less. If the account is not removed in the specified timeframe, I reserve the right to pursue legal action, including suing for violation of my rights under the FCRA. I understand that under FCRA Section 1681n, I may be entitled to seek damages if my rights have been violated, including statutory damages and attorney fees. 

I look forward to your prompt resolution of this matter and expect that the unverifiable account will be removed within the legally required timeframe.

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 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have contacted XXXX multiple times via phone and also by Certified mail XX/XX/year> XX/XX/year> XX/XX/year> in regards to sending a registered mail certified copy of my 1099-C. For charge-off that's reporting on my consumer report, after multiple attempts I have yet to receive anything from this company, failure to provide the document needed has resulted in my taxes not being accurate which could lead to an audit, fines etc. ; this means XXXX taxes are also inaccurate and should be justifiably audited by the IRS. if the debt hasn't been written off then this it's unfair deceptive practice collecting twice its FRAUD and I will sue statutory damages. Take further notice this company is also reporting duplicate accounts Acct # XXXX and Acct # XXXX open the same day month and year with the same balance but different account numbers which is another discrepancy due to the lack of detail and a inaccurate investigation with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The company stated that they verified a public record via XXXX XXXX XXXX XXXXVERIFIED AS REPORTED however that is not accurate and I provided verification from the XXXX XXXX XXXX XXXX does not verify public records of any kind to any credit reporting agencies.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the validity of the account reported by your agency on my credit report, as noted on XX/XX/year>. I have no knowledge of this account and am not aware of any obligation to pay the debt you claim I owe. I believe this account is either a result of an error or fraud, and I respectfully request that you provide all documentation proving the legitimacy of this account. 

This account, which is currently affecting my credit, is causing significant harm to my financial standing and impeding my ability to thrive. The presence of this inaccurate information is creating unnecessary obstacles, preventing me from obtaining credit, securing housing, and pursuing opportunities that would allow me to move forward in life. 
In addition, I believe your actions are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under the provisions of 15 U.S.C. 1692g ( the right to dispute a debt ) and 15 U.S.C. 1692c ( the prohibition on certain communications with consumers ). You have failed to provide the required documentation in a timely and proper manner, and your communication practices have not adhered to the protections afforded to me under the law.

Given these violations, I am requesting the following : 1. A full investigation into the validity of the reported debt, including all relevant documentation.

2. The immediate removal of this account from my credit report, as it is incorrect and violates my rights under the FDCPA.

3. Compensation for the financial and emotional damages I have incurred as a result of the violation of my rights.

Please respond to this dispute in writing within 30 days of receipt of this letter, in accordance with the requirements of the FDCPA. Failure to do so will leave me with no choice but to pursue further legal action to protect my rights.

Thank you for your immediate attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Saturday, XX/XX/year>, I called XXXX, MoneyLion Costumer Care.

I requested their domicile address where to send a payment by money order to avoid my checking account suddenly going negative.

I spoke with someone who told me, wait 2 minutes, at which time, returned to the call, and exclaimed, I can still request a deferment with app, without resolving to provide the information I requested. 

Their autoboost and fee system is a g'mic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing This CFPB complaint to report two separate fraudulent accounts appearing on my consumer fico credit report which I do not recognize as reported and which is the result of identity theft, and fraud. The collections account is by XXXX XXXX opened on XX/XX/year>, account number XXXX, in the amount of {$1600.00}. The other account is by a company called XXXX XXXX XXXX in the amount of {$650.00} account number XXXX. I demand that these fraudulent accounts be removed from under my credit Profile reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The 3 Credit bureaus that are reporting these fraudulent and inaccurate collection accounts are XXXX XXXX XXXX and Experian.

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 2024-12-29 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: Porania, LLC
State: NJ

Complaint narrative:
I did not file XXXX  its reporting on my credit report I was a victim of identity theft where someone use my name and git discover credit card on my account I submitted a copy of my police report

Company response to consumer: Untimely response
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Under FCRA from Edfinancial. 
Dear XXXX I am writing to formally dispute the reporting of XXXX instances of XXXX day late payments on my student loan account serviced by Edfinancial , which had a highest balance of {$5500.00} and is now fully paid off as of XX/XX/XXXX. The information reported is inaccurate and does not align with my payment history. 
Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The late payments listed for my account are inaccurate and need verification or removal.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information, such as Edfinancial, are prohibited from reporting information they know or reasonably should know to be inaccurate. 4. 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers are obligated to correct and update information that is incomplete or inaccurate after becoming aware of the issue. Details of the Dispute : Loan Servicer : Edfinancial Accoun
t Information : Student loan opened XX/XX/XXXX. 
Disputed Information : XXXX instances of being XXXX days late are inaccurately reported. Based on my payment records, I believe these entries are incorrect.

Action Requested : I request a reinvestigation of this account and removal of any inaccurate late payment entries. Please provide detailed evidence, including payment records and timelines, to support any claims of delinquency. 
XXXX XXXX social Security XXXX Thank you

Company response to consumer: Closed with explanation