vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
This auto loan has been paid in full since XX/XX/2024, I have the documentation to show it. I have called twice asking why it still shows as open and they have given dates as to when it will be posted to bureaus as closed PIF, these dates have come and gone. I have submitted documentation to all XXXX  bureaus and they have responded by saying they need updated information to come from Bridgecrest in order to update my report, meanwhile my score and report remain incorrect as if I have a XXXX balance when in actuality I don't owe a dime. It's paid for in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: CO

Complaint narrative:
I am writing to formally request the cessation of the collection, sharing, and dissemination of my personal information by your credit bureau, as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a. 
As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law. 
Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties. 
Additionally, 5 US Code 552a ( Privacy Act of 1974 ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies. 
In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services regarding XXXXXXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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 am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2024-02-07 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 am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

Requested resolution : I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  ( XXXX XX/XX/XXXX, {$760.00} chargeoff ), violated the Privacy Act of XXXX. Also, the chargeoff/ certificate of indebtedness is considered as income, income can't be reported.

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 2024-02-07 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:
Violation of Privacy Act of 1974 & of the Educational and Privacy Act of 1974. 

TransUnion : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX Balance {$6000.00} Balance updated XX/XX/XXXX XXXX Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3900.00} Balance updated 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 non-monetary relief
Consumer complaint received 2024-02-07 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:
Violation of Privacy Act of XXXX & of the XXXXonal and Privacy Act of 1974. 

XXXX : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX  Balance {$6000.00} Balance updated XX/XX/XXXX XXXX Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Balance updated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
Violation of Privacy Act of 1974 & of the Educational and Privacy Act of 1974. 

XXXX : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX  Balance {$1000.00} Balance updated XX/XX/XXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX Balance {$6000.00} Balance updated XX/XX/XXXX XXXX  Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} ( XXXX XX/XX/XXXX ) Experian : XXXXXXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$3900.00} Balance updated XX/XX/XXXX 2023

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Albert Corporation
State: MI

Complaint narrative:
I tried to do something XXXX, gave my banking information to this online company Albert for a loan. Never got approval for any cash they got my information of course I contacted them through email and text can't call of course to remove all of my information still waiting to hear back! I know it was my mistake but this companies need to be stopped!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I requested the email or physical address where I could send a transfer request from Optum Bank to XXXXXXXX XXXX I have received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: IN

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 non-monetary relief