vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report and to provide context regarding recent fraudulent activity that has negatively impacted my credit. 
Recently, I was scammed by someone I trusted who advised me to use their bank account information to make payments on my credit accounts. Unfortunately, these payments were later returned, leading to account restrictions and, in some cases, closures. This situation has caused significant harm to my credit standing, and I am seeking your assistance in resolving this matter. 
I also want to bring to your attention that I had added XXXX XXXX as an authorized user to XXXX of my accounts prior to discovering this fraudulent activity. While XXXX XXXX was authorized, I want to ensure that any actions or payments tied to this account during the disputed period are properly reviewed as part of this investigation. 
I respectfully request the following : XXXX. A thorough investigation of the returned payments and their impact on my credit report. 
XXXX. Verification and correction of any inaccurate or fraudulent entries associated with this incident. 
XXXX. Removal of any negative marks related to these issues, as they were not a result of my actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have requested debt validation from Capital One of the alleged debt. Their response was asking for me to confirm my information. However, if this is my debt, it seems as if they should already have my information for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opened an account with Robinhood ( trading app ) XX/XX/year> and deposited about {$1000.00} USD into my account. It asked me to verify my identity with documents and ID, which I did, and everything seemed fine until after I bought XXXX and tried to send it to another wallet. Suddenly, my account was " restricted, '' and I was asked to provide additional documents ( bank statement, selfie, etc ) to further prove my identity. They said that they will review my account and submitted documents and get back to me in a few days ( I believe it was like XXXX or 3 days ). They also recommended that I " get into the queue '' for a customer support callback regarding my restrictions, so I didbut you'd think that the app would notify you just how long you're waiting or when they would call. I never received a call til several days later, I don't even remember when at this point. They called at an inconvenient hour ( I was at work ), left an automated voicemail saying that they tried to contact me and then sent me an e-mail saying the same thing, and that I should get back into the queue again for a callback and/or I can call XXXX to ask about my case ID that they've provided. For every e-mail that I've received regarding this, it's a different case ID, and every time I call the number, the automated machine says that this case has been closed. Every time I check my app for the status of my account, it says I need to take action and submit my documents ( even though I already have ) and that they will get back to me the next day ). They've kept pushing that date, since XX/XX/XXXX. It is now XX/XX/XXXX. I'm seriously about to go insane I've tried to see if there was an online chat system on their desktop app, and there really isn't XXXX. It's mostly a one-way automated chatbot system, and it doesn't even give you the option to type out a responseyou can only select responses. I've tried to contact them via XXXX, and someone finally responded but then said because of the " sensitivity '' of my case, it needs to be addressed over the phone. They said they would send me an e-mail to try and escalate thisbut then I don't even get the e-mail! I don't get it for almost 2 days later, and it's the same kind of e-mail I've been receivingabsolutely NOT helpful AT ALL. I had to XXXX on XXXX to see if anyone else is experiencing this and unfortunately find that there are SO MANY OTHERS who are dealing with the same exact thing. Someone recommended filing a complaint, so that's what I'm doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2024-12-23 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: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: VA

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-12-23 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: NJ

Complaint narrative:
I recently discovered multiple errors in my Equifax credit report that need immediate correction. My address is wrongly listed as " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, '' while the accurate address is " XXXX XXXX XXXX, XXXX, NJ XXXX. '' Also, my employer is inaccurately reported as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' but the correct employer is " XXXX  XXXX XXXX. '' These inaccuracies violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), which requires credit reporting agencies to ensure information is accurate. I am requesting these errors be corrected immediately, with written confirmation that my report has been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: NV

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-12-23 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: TX

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-12-23 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I was incarcerated from XX/XX/XXXX of XXXX until XX/XX/XXXX of XXXX. So anything on my report during that time is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-23 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: TN

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
Radius Global Solutions contacted me XX/XX/XXXX by email about a debt. I told them the following : Good evening My name is XXXX XXXX I have no knowledge of this debt. So could you please send me the following to the address you have on file. I will need a copy of the original application with my signature, along with the payment history so I can see how you arrived at the amount, the purchase agreement that shows I am the legal owner of this debt please include all the terms and conditions that are included in the purchase agreement and shows that you are authorized to collect on this debt.Please send this information to the address you have on file. Please do not call or email me again or you will be in volation of the FDCPA. I will need this information within 30 days of you receiving this letter. 

Thank you XXXX XXXX XX/XX/XXXX I never received this information from on today XX/XX/XXXX I received a call from a woman stating that she was calling from Radius Global Solutions and started asking personal information I told her I was not verifying anything and that I asked that they not call me and mail proof of debt and hung up. 
She called from ( 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 2024-12-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX of 2024 Lowe 's Lowe 's XXXX XXXX made a hard inquiry of my PERSONAL credit record with XXXX. I did not authorize Lowe 's to check my credit.

I initiated a dispute with XXXX because my PERSONAL credit record reflects a hard inquiry by Lowe 's. Lowe 's responded with a letter that says, " Based on your COMMERCIAL credit bureau dispute, we have reviewed the following information ... Our research indicates we are reporting your account correctly to the COMMERCIAL credit bureaus. '' Lowe 's is unable to produce any document containing my signature that authorized a hard credit inquiry of my PERSONAL credit record. 

XXXX then informed me several times on XXXX XX/XX/year> that 1 ) It is illegal for XXXX to remove incorrect information from my credit report, and 2 ) There is no way for the incorrect information to be removed from my credit report. XXXX refuses to remove the incorrect information from my PERSONAL 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 2024-12-23 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: WA

Complaint narrative:
I have XXXX identity theft accounts on my XXXX, Equifax and XXXX consumer reports. They are with XXXX XXXX XXXX  and XXXX XXXX XXXX 

Even though I sent notification to all the parties and attached a police report twice, the information has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: TN

Complaint narrative:
This company and I think it was the same person that contacted me in regard to a remaining balance at XXXX XXXX XXXX. I told them the last 3 times the same thing that I told them from the first phone call that I would not be providing XXXX XXXX XXXX another dime. And thats because they didnt complete the contract. I only received the temporary dentures and they never completed the care that I was supposed to receive. And thats why there is a remaining balance, that my insurance company did not complete payment because of these issues. And I told you before but Im going to tell you again, DO NOT CONTACT ME AGAIN!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$59000.00}, XXXX XXXX XXXX XXXX {$16000.00}, XXXX  Balance {$34000.00}, XXXX XXXX  Balance {$310000.00}, XXXX XXXX XXXX XXXX XXXX {$5900.00}, XXXX XXXX  XXXX Balance {$850.00}, XXXX XXXX XXXX XXXX {$57.00}, XXXX XXXX Balance {$2000.00}, XXXX XXXX {$2000.00}, XXXX XXXX  balance XX/XX/XXXXXXXX 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 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 2024-12-23 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: SC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 severely 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 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of specific fraudulent accounts from my credit report under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as a result, the account ( s ) listed below were fraudulently opened or reported : Creditor/Company : XXXX  Account Number/Reference : XXXX Date Opened/Reported : XX/XX/year> Amount : {$9500.00}

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 non-monetary relief