vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, 2024. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information.

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher.

I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately.

I expect your written response within the 30-day period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, 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 2024-11-27 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have {$1100.00} in my Venmo  wallet. My account was frozen for Suspicious Activity but I didnt do anything to violate the user agreement. I received an email from Venmo requesting a copy of my photo ID to verify my identity to unfreeze my account. After complying with their request I received an update stating that Because safety is our priority, your Venmo account has been frozen and our service will no longer be available to you. I replied stating that I was fine with no longer being able to use their services but to please release the {$1100.00} that belonged to me as I have XXXX young children and its almost Christmas time. They replied stating I'm very sorry, but we are unable to release these funds to you. and that we may hold your funds for up to 180 days if reasonably needed to protect against the risk of liability. That money is rightfully mine as it was given to me by friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-11-27 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: Experian Information Solutions Inc.
State: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 explanation
Consumer complaint received 2024-11-27 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: NV

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a new capital one card. I can not activate it. 
I stutter. A XXXX. I don't like using the phone. 
There is no email to use to communicate with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint to bring to your attention a significant violation of the Fair Credit Reporting Act ( FCRA ) by Equifax in the reporting of an account associated with XXXX XXXX  XXXX, partial account number XXXX. This account has been reported inaccurately and inconsistently, failing to meet the legal standards of accuracy and completeness required under the FCRA. 

Specific Violations and Inconsistencies Detected : 1. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : -The reported credit limit and high balance for this account are listed as {$0.00}. This information conflicts with data from other credit bureaus, indicating a clear inaccuracy in Equifax 's reporting. 

-The payment history is incomplete, with blank entries for XX/XX/XXXX and XX/XX/XXXX. These gaps make it impossible to verify the account 's legitimacy or assess its accurate status.

2. Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : The report states " Consumer disputes- reinvestigation in progress. '' However, the same discrepancies persist after the supposed reinvestigation. This demonstrates that Equifax did not conduct a reasonable investigation into the account as required by law.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : The missing entries for key months in the payment history undermine the credibility and accuracy of the reported information. This omission violates the FCRA 's requirements for accurate and complete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Violating Fair Credit Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their failure to accurately report my credit information, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 relating to the accuracy and fairness of credit reporting. 

Despite my consistent and timely payments on my XXXX credit card, I have noticed that these payments and my corresponding credit score have not been reflected accurately on Equifax 's credit report. This lack of accurate reporting has adversely affected my credit standing and overall financial well-being. 

Enclosed are screenshots and documentation that support my claim, clearly showing the discrepancies in my credit report. It is crucial for consumer reporting agencies to fulfill their responsibilities with fairness and respect for consumers, as emphasized in the findings of Congress.

I kindly request that your offices investigate this matter and take appropriate action to ensure Equifax rectifies these errors and upholds the standards of fair credit reporting.

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Violating Fair Credit Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their failure to accurately report my credit information, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 relating to the accuracy and fairness of credit reporting. 

Despite my consistent and timely payments on my XXXX credit card, I have noticed that these payments and my corresponding credit score have not been reflected accurately on Equifax 's credit report. This lack of accurate reporting has adversely affected my credit standing and overall financial well-being. 

Enclosed are screenshots and documentation that support my claim, clearly showing the discrepancies in my credit report. It is crucial for consumer reporting agencies to fulfill their responsibilities with fairness and respect for consumers, as emphasized in the findings of Congress.

I kindly request that your offices investigate this matter and take appropriate action to ensure Equifax rectifies these errors and upholds the standards of fair credit reporting.

Thank you for your attention to this serious issue. I look forward to your prompt response.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account 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 non-monetary relief
Consumer complaint received 2024-11-27 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: UT

Complaint narrative:
Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file.

This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX Police Department ( Case Number : GO # XXXX XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting. 
In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$1800.00} XXXX. XXXX Accoun number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXX Police Department, documenting the theft of my vehicle and personal documents ( Case Number : GO # XXXX XXXX ). 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: UT

Complaint narrative:
Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file. 
This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX Police Department ( Case Number : XXXX XXXX XXXX  XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting. 
In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX Date Opened : XX/XX/2024 Balance Owed : {$1800.00} XXXX. XXXX XXXX number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXX Police Department, documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX XXXXXXXX ). 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand that any OTHER reported personal identifier information be removed from reporting as it does NOT MATCH EXACTLY my true current CORRECT information EXACTLY as I have detailed above. It is MY RIGHT to DENY YOU AUTHORITY TO REPORT DEFICIENT of factual verifiability of validation of only TRUE CORRECT COMPLETE TIMELY CLAIMS which as well are CERTIFIABLY COMPIANT IN their reporting, even to the mandatorily perfect and certified METRO 2 format reporting standard ( s ) of compliance!

Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a Section1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies .

Below listed are the questionable if not altogether erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY :

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