vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company 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 2024-12-20 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-20 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: VA

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 : INQUIRY : XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 non-monetary relief
Consumer complaint received 2024-12-20 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: MD

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 : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report, despite my multiple disputes. 

The issues include : 1. Incorrect account dates ( opening and closing dates ).

2. Inaccurate balances that do not match actual amounts.

3. False late payment history that is not reflective of my account activity.

These failures violate the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) : Credit bureaus are required to ensure the maximum possible accuracy of the information they report.

Section 611 ( a ) : Bureaus must properly reinvestigate disputes and remove or correct unverifiable information.

Section 623 ( a ) ( 3 ) : Furnishers of information must report accurate data to the bureaus.

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 2024-12-20 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: TX

Complaint narrative:
I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report, despite my multiple disputes. 

The issues include : 1. Incorrect account dates ( opening and closing dates ).

2. Inaccurate balances that do not match actual amounts.

3. False late payment history that is not reflective of my account activity.

These failures violate the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) : Credit bureaus are required to ensure the maximum possible accuracy of the information they report.

Section 611 ( a ) : Bureaus must properly reinvestigate disputes and remove or correct unverifiable information.

Section 623 ( a ) ( 3 ) : Furnishers of information must report accurate data to the bureaus.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank aka XXXX  bank every month makes me walk back and forth I'm XXXX. They're XXXX. I keep asking them to close my account and send me my money a d they are refusing. I refuse to go there again. I want my social security XXXX money that I live off of and they can not touch. Give it to me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I attempted to assume an existing mortgage from Wells Fargo as a result of a divorce. I was denied this assumption based on factors that are unfair, unreasonable, arbitrary, and contradictory to usual and customary practices in the mortgage market. The reasons for my denial are de minimus in the context of my overall credit profile and in light of the realities of conditions in a post-covid world. 

I have attempted to find a path forward with the lender that satisfies both the lender 's objectives and preserves my existing loan, terms, and conditions, to include adding a qualified co-signer / guarantor to the loan. I have not made any progress in this regard. 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 2024-12-20 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
When a bankruptcy is discharged, it means that the court has issued an order releasing the debtor from personal liability for specific debts. This means the debtor is no longer legally required to pay those debts, and creditors can not take any collection actions, such as lawsuits, wage garnishments, or calls, for those discharged debts. 

Here are key points depending on the type of bankruptcy : XXXX  XXXX Bankruptcy : Most debts are discharged relatively quickly, typically within a few months of filing, after the debtor 's non-exempt assets ( if any ) are liquidated to pay creditors. 

GET THIS OFF ALL CREDIT REPORTING AGENCIES AT ONCE XXXX  XXXX bankruptcy discharged Date filed XX/XX/year> Date resolved XX/XX/year> Responsibility Individual Reference number XXXX On record until XX/XX/year> Court info Court US BKPT CT VA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
To Whom It May Concern, I am filing a complaint to dispute an account listed on my credit report. The following Collection accounts : CAUSING DETRIMENTAL HARM XXXX XXXX XXXX XXXX XXXX The amount {$1100.00} was sold to an unnamed collection ( not my debt never lived in California ) XXXX XXXX  - the amount of {$32.00} was sold to an unnamed collection agency without notification and it's a false debt. 

XXXX - {$480.00} was sold to an unnamed collection agency without notification and it's a false debt. I have never had XXXX, I have only had XXXX 

CLOSED CREDIT CARD ACOUNTS THAT DONT BELONG TO ME ARE BEING LISTED AND NOT ONLY ARE THEY CLOSED BUT THEY ARE NOT MINE. 

XXXX XXXX - {$4700.00} LISTED AS CLOSED BUT REMAINS ON MY REPORT AND ITS NOT MINE TO BEGIN WITH. 

XXXX XXXX - {$3100.00} ALSO LISTED AS CLOSED BUT REMAINS OPEN ON MY ACCOUNT AND DOESNT BELONG TO ME. 

XXXX XXXX  - {$650.00} ALSO NOT ME AT ALL I NEVER LIVED IN CALIFORNIA WHERE THIS DEBT ORIGINATES AND THEY JUST LEAVE OPEN ON MY ACCOUNT AT AS CLOSED WITH WRONG INFORMATION... 

I INTEND TO FILE LEGAL ACTION AGAINST THE BUREAU IF THIS ISNT REMEDIED IMMEDIATELY. I'TS CAUSING ME GREAT FINANICIAL DISTRESS. 

These accounts are either reporting incorrectly or transferred to an unnamed collection agency without my prior knowledge or consent, has been inaccurately reported to the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, information can not be reported to credit bureaus without my consent unless it's done for a permissible purpose such as credit transactions or employment decisions. Additionally, 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the collection agency from reporting this debt without proper authorization and notice. 

I am requesting that the CFPB take action to have these accounts removed from my credit report, as the reporting of this debt is a violation of my rights under consumer law, including the FCRA and FDCPA. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
To Whom It May Concern, I am filing a complaint to dispute an account listed on my credit report. The following Collection accounts : CAUSING DETRIMENTAL HARM XXXX XXXX XXXX XXXX XXXX The amount {$1100.00} was sold to an unnamed collection ( not my debt never lived in California ) XXXX XXXX  - the amount of {$32.00} was sold to an unnamed collection agency without notification and it's a false debt. 

XXXX - {$480.00} was sold to an unnamed collection agency without notification and it's a false debt. I have never had XXXX, I have only had XXXX 

CLOSED CREDIT CARD ACOUNTS THAT DONT BELONG TO ME ARE BEING LISTED AND NOT ONLY ARE THEY CLOSED BUT THEY ARE NOT MINE. 

XXXX XXXX - {$4700.00} LISTED AS CLOSED BUT REMAINS ON MY REPORT AND ITS NOT MINE TO BEGIN WITH. 

XXXX XXXX - {$3100.00} ALSO LISTED AS CLOSED BUT REMAINS OPEN ON MY ACCOUNT AND DOESNT BELONG TO ME. 

XXXX XXXX  - {$650.00} ALSO NOT ME AT ALL I NEVER LIVED IN CALIFORNIA WHERE THIS DEBT ORIGINATES AND THEY JUST LEAVE OPEN ON MY ACCOUNT AT AS CLOSED WITH WRONG INFORMATION... 

I INTEND TO FILE LEGAL ACTION AGAINST THE BUREAU IF THIS ISNT REMEDIED IMMEDIATELY. I'TS CAUSING ME GREAT FINANICIAL DISTRESS. 

These accounts are either reporting incorrectly or transferred to an unnamed collection agency without my prior knowledge or consent, has been inaccurately reported to the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, information can not be reported to credit bureaus without my consent unless it's done for a permissible purpose such as credit transactions or employment decisions. Additionally, 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the collection agency from reporting this debt without proper authorization and notice. 

I am requesting that the CFPB take action to have these accounts removed from my credit report, as the reporting of this debt is a violation of my rights under consumer law, including the FCRA and FDCPA. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have five Capital One accounts 2 minor accounts 1 joint and 1 savings account 2 checking accounts my biweekly payroll deposit is the deposit on a regular basis into this account. I received a email saying that my accounts were locked and I needed to call the fraud line when calling the fraud line. I was told that my accounts were closed and Capital One no longer wanted to continue the relationship with me as a banking Customer I asked the representative. What guidelines do they have to close my account and not return my funds immediately she said I had to wait for the account to be fully closed and all transactions to be cleared before I can receive a check of the end of the closing I asked for Supervisor the Supervisor gave me the same story of sorry XXXX XXXX we can not give you any information about the closure the guidelines stated when you opened up the account is what we follow. Its XXXX days before XXXX, and all of my funds are in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My card was stolen and they got it wrong my card was stolen and some one use it with out my permission and use all my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
They claimed to serve someone I know for a court date, but I moved from that apartment, did an address change at the post office and DMV. They didnt serve me, went to court, received a judgment and garnished my pay. I contacted them when payroll told me about the garnishment, sent proof of my address change, and they proceeded to take the money from my pay. I did everything they told me they needed to stop the garnishment and they continued it without stopping. XXXX XXXX XXXXXXXX XXXX  and the undue stress is maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation