vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Moneylion says I owe a XXXX dollars which I never received so how do I owe and it's on my credit score

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was contacted by an agent of Jefferson Capital that I owed a debt from XXXX XXXX XXXX. I asked for the following information on the debt : 1. Name and mailing information of the debt collector 2. Name of the creditor to whom the debt is owed 3. Account number ( if any ) associated with the debt 4. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits 5. The copy of the original contract bearing my signature that showed that I entered in the contract.

6. The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt.

I did not receive the information but continue to receive a billing statement and proposal for settlement of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
The account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
( XXXX XXXX XXXX Account XXXX ; XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: LEXISNEXIS
State: OH

Complaint narrative:
I formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful.

Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. 
XXXX XXXX XXXX number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX XXXX XX/XX/year> Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Re : Formal Dispute of Rental Eviction Record Account # : XXXX Dear Credit Bureau Representative : I am writing to formally dispute an eviction record that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information in my credit file. 
The entry in question relates to an alleged eviction at [ Previous Property Address ] by The Links Apartment by XXXX XXXX. I am disputing this record for the following reasons : XXXX. The case was settled, and terms were fulfilled 2. The information is outdated and should be removed XXXX. Provided moving out letter 30 days prior to moving as stated in terms and conditions. 
I request that you investigate this matter and remove this entry from my credit report in accordance with the FCRA. Please find enclosed the following supporting documentation : Terms and Conditions for Removal : 1. Upon verification of the provided documentation, the eviction record should be completely removed from my credit report 2. All associated negative marks related to this eviction should be deleted 3. The removal should be reflected across all three major credit bureaus 4. Written confirmation of the removal should be provided within 30 days As required by law, please investigate this dispute and respond within 30 days. If you find that this information is indeed inaccurate, please remove it from my credit report and send me an updated copy of my credit report showing the removal.

Should you find that this entry is to remain, please provide me with : 1. Copies of any documentation used to verify the accuracy of the record 2. The name, address, and telephone number of the information source 3. A detailed explanation of your findings I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Attorney XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Personal Listed below are the Personal Infor As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-18 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 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. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  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 XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, 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. 

XXXXXXXX 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 2024-12-18 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: CA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX Collection Account Under FCRA To Whom It May Concern, I am writing to dispute the collection account reported by XXXX XXXX XXXX on my Equifax credit report. Based on my investigation through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not licensed to collect debts in the state of California. As such, the reporting of this account is both inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to ensure the maximum possible accuracy of the information contained in consumer reports. Reporting a collection account from an unlicensed entity that is prohibited from collecting debts in California fails to meet this standard. Furthermore, under 15 USC 1681i ( a ) ( XXXX ), I have the right to dispute inaccurate or unverifiable information, which obligates Equifax to investigate and remove such information from my credit report if it can not be verified. 

Details of the Disputed Account Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$130.00} Actions Requested : Investigate License Status : Verify through the XXXX XXXX XXXX XXXX and the California Department of Financial Protection and Innovation that XXXX XXXX XXXX is not licensed to operate in California. 

Remove the Inaccurate Entry : Permanently delete this collection account from my credit report as the entity has no legal authority to collect debts in my state. 
Provide Written Confirmation : Send me a written response confirming the removal of this account and provide an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the XXXX XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX confirming that XXXX XXXX XXXX  is not licensed to collect in California. 

Equifax must complete this investigation and respond within the 30-day timeframe required under the FCRA. Failure to comply with these obligations will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX I got paid and my check was {$940.00} and on the same day Navy Federal also took out a Returned item fee of {$29.00} for NO reason. I had all my money in my account. 

On XX/XX/XXXX I got charged two more Returned item fee charges of {$29.00} taken from my account for NO reason! I still had money in my account. 

On XX/XX/XXXX, I got charged a {$20.00} overdraft protection fee due to all the returned item fees and woke up to see I was NEGATIVE {$180.00} in my bank account!!! I was sick to my stomach and confused!!! When I called Navy Federal and they kept telling me is that its from my credit card payment to XXXX XXXX for {$30.00} and that my credit card company didnt clear it yet. Even though they clear it THE SAME DAY ITS PAID! I went back and forth with the lady from Navy Federal stating how that made no sense because that transaction has been cleared and I asked her to reverse all the over draft fees and returned item fees because everything I had paid for WAS NOT LATE and they were paid on time and I HAD MONEY IN MY ACCOUNT. She told me there was no way they could reverse those transactions so then I had to get loud with her and the best she could do for me was reverse 2 over draft fees of {$29.00} all I got back out of the - {$180.00} they robbed from me was {$58.00}. 

Absolutely awful. I do not want to bank with Navy Federal again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: NY

Complaint narrative:
I would like these inquires remove so my credit report can update accurately INQUIRES XXXX XXXX XXXX XXXX XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, my father sent a wire transfer from his bank in XXXX ( XXXX, XXXX : XXXX ) to my account with Capital One at the XXXX  address provided by my bank ( XXXX ). The amount of the wire transfer was XXXX, approx. {$1500.00}. 

When I realized that the sum was not credited to my account and verifying that all the payment details were correct, I contacted Capital One to ask to investigate. They claimed that they couldnt do that and asked me to have the sender cancel the payment. When my father tried to cancel the payment and the debiting bank asked for a refund from Capital One, they refused to send back the funds. I have then called Capital One again at least XXXX times with no success. Every time I call Im being told that I need to speak to a different department, and I have to stay on the phone for XXXX minutes just to get no answers. On XX/XX/year>, I filed a complaint ( # XXXX ) but after calling XXXX more time, I still havent got any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/XXXX request information for debt validation of the original documentation to prove this is my debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), collection agencies are prohibited from reporting debt information on a consumers credit report if they have acquired the debt from the original creditor and have not provided sufficient verification of the debt to both the consumer and the credit reporting agencies.

Specifically, 15 U.S.C. 1692e of the FDCPA states that a debt collector must not make false representations regarding the status of a debt, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA indicates that information provided to a credit reporting agency must be accurate and complete. Since this debt was sold or transferred from the original creditor to your agency, and without proper verification, you are prohibited from continuing to report it on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Balance {$100.00} UNAUTHORIZED INQUIRIES : 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 response to consumer: Closed with explanation