vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/year> | XXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/year> | XXXX : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is stating i did not identify car loan and other details in my supposed file. this can not be since i been homeless for well over a decade sleeping in parks, sidewalks etc. in fact im still homeless and living on the streets nowi gave my name, ss #, a known address and ph # which XXXX and XXXX delivered their fileshaving been victim of identity theft in the past how do i dispute or defend against the inaccuracies. is it from security breach or was i targetedhow you buy car without active license or is this as people saying to me that this is not a winnable case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
The Consumer Reporting Agency known as EQUIFAX has decided to record illegal documents in relation to The Plaintiff 's Consumer Report. This ILLEGAL Document is a representation of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There is an illegal account of {$3700.00} reporting on my Equifax XXXX Report as the Result of a Fraudulent credit card. 
In addition, this account has been closed for some time. However, Equifax has been reporting LATE Payments on a closed account ( see attached ). 
This has NO Permissible Purpose and in Direct violation of FCRA Standards! 
Absolutely Metro2 - Non-Compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls unde trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. 

ACCOUNTS XXXX XXXX  {$3300.00} # XXXX FST PREMIER {$730.00} # XXXX INQUIRIES XXXX XXXX FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-12-14 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX account removed from your file Between XX/XX/year> and XX/XX/year>, your account account with XXXX XXXX XXXX was removed from your credit report. 

Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 

I did not authorize XXXX XXXX XXXX to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
Calls and recieved mail. Debt is not mine and this is harassment. Fake threatening mail and repeatedly leaving threatening voice mails. This debt is not mine nor is it on my credit report. This law office of XXXX XXXX XXXX needs to be sued or class action suit for slander, deformation of character, harassment of false debt, needs a cease and desist. Next ill file police report for XXXX threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to XXXX multiple XXXX XXXX XXXX to the inquiries that have been popping up on my account for the past XXXX months without my consent. I explained to them that I can not lock my credit report at this time due to a purchase on a home. My credit was not pulled due to the fact that I have membership with live daily data to see my credit scores. Therefore, the lender took those reports until I am ready to move forward in the home buying process. I was told to file a police report and send in, in which I did. However, there has been no change to my credit file and I am afraid that when it comes time for the lender to do a hard pull on my file, they will see all of these fraudulent inquiries further lowering my beacon score to the point that I may not qualify for a home. They also told me that there was nothing else that can be done to safeguard my file during this process, which is disheartening to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to XXXX multiple times in reference to the inquiries that have been popping up on my account for the past 3-4 months without my consent. I explained to them that I can not lock my credit report at this time due to a purchase on a home. My credit was not pulled due to the fact that I have membership with live daily data to see my credit scores. Therefore, the lender took those reports until I am ready to move forward in the home buying process. I was told to file a police report and send in, in which I did. However, there has been no change to my credit file and I am afraid that when it comes time for the lender to do a hard pull on my file, they will see all of these fraudulent inquiries further lowering my beacon score to the point that I may not qualify for a home. They also told me that there was nothing else that can be done to safeguard my file during this process, which is disheartening to say the least.

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 2024-12-15 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: Kriya Capital, LLC
State: NY

Complaint narrative:
Received a noticed that I had a collection on my account on the XXXX of XX/XX/year>. I have been receiving calls with no one speaking to robo calls from various numbers for past couple of months, attempted to call XXXX the XXXX 2024, multiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill. no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/year> named XXXX. I have tried since up till the XXXX of XXXX to receive proof. numbers I have received calls from : XXXX, XXXX, XXXX since XX/XX/year>. Automated call from a XXXX XXXX robocall. Reported to FCC as I asked to no longer be contacted by phone, and done though mail. random times thoughout day. would pickup and they hung up. numbers i called : XXXX and XXXX credence resource management. horrible communication, and still no proof via mail sent. I want this removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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:
Fraudulent Activity on Credit File To Whom It May Concern, I am writing to report fraudulent activity on my credit file, which has been ongoing since 2019. Despite numerous disputes and reports to the police department, the unauthorized transactions and personal information remain on my record. 
The fraudulent activity includes [ list specific transactions or accounts ]. I have consistently disputed these entries, providing documentation and verification of my identity. However, the credit reporting agencies have failed to remove the inaccurate information. 
Furthermore, I believe my personal information has been compromised and sold, as I continue to receive unsolicited offers and notices related to these fraudulent accounts. 
I request immediate attention to rectify this situation, remove the fraudulent activity, and take measures to protect my credit information.

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 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My personal information has been compromised in a 2024 data breach.

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 2024-12-14 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: MT

Complaint narrative:
I had 3 accounts with capital one and I was trying to make an early payment on XXXX of the accounts. My bill was not due yet on either but I was trying to pay the balances to zero. For whatever reason the payments were returned and the next day I when I saw this I redid the payments. And after they took the money out of my bank account they closed all three of my accounts with a document that said it was fraud. When I called them they said it was because my payments had been returned and there was nothing they could do. I understand my payment was returned but I corrected the error as soon as possible. And they closed the accounts with no warning

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
INCORRECT RESIDENT ADDESSES ON CREDIT REPORT/XXXX, EQUIFAX, AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My personal information has been compromised in a 2024 data breach.

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 2024-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am writing to request a clear explanation for why my predatory student loan discharge application was denied for the 2nd time by XXXXMOHELA . My case was approved for discharge by the Department of Education under the XXXX XXXX based on substantial evidence of school misconduct. The denial letter I received did not provide a clear or detailed explanation for this decision. I respectfully request a substantial and transparent explanation for the denial, including the specific criteria or evidence that led to this outcome. I have complied with all necessary steps and provided all requested documentation in my School Misconduct Application, and I believe I am entitled to a clear and thorough explanation. Please respond promptly with the requested details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX was told to delete account from report instead they have left this account as closed reporting negatively on my credit see attached image from a previous complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX  was told to delete account from report instead they have left this account as closed reporting negatively on my credit see attached image from a previous complaint

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 2024-12-14 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:
XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX ACCOUNT ( XXXX ) /ITEMS DELETION LETTER OF IDENTITY THEFT & XXXX EQUIFAX XXXX XXXX XXXX & FRAUD ) CREDIT ONE VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY LAST AND FINAL WARNING, IF THIS ACCOUNT IS NOT DELETED FOR GOOD, I WILL SUE IN COURT, I ALREADY HAVE MY LAWYER PREPARED AND I WILL ALSO COLLECT MONEY FOR DAMAGES!

THIS IS MY FINAL LETTER CONCERNING THIS XXXX ( FRAUD ACCOUNT ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXXXXXX *.I DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .It does not belong to me. Delete & BLock immediately! 




Collection Account XXXX : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: SC

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 XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MI

Complaint narrative:
On or around XX/XX/XXXX cash app/XXXX XXXX locked me out of my checking /operating account, the initial reason they gave me for doing this was they were unable to verify my identity. After spending an entire day performing numerous steps their customer service Team gave ie, setting up & verifying a new banking account, uploading selfies along with my drivers license to their " square website '' sending banking statements from another banking institution " XXXX XXXXXXXX '' submitting banking transactions from the transfers out of their bank & into my other banking account. I performed numerous of identification steps to no satisfaction of there's. Finally on XX/XX/XXXX when I have had enough of the non sense they were doing I requested closure of the account all of sudden they were no able to access the account & give me permission to make decisions on the account where previously I wasn't allowed any decisions or information about my account in question. After successfully closing the account I inquired if they were going to mail out my account balance to the address on file ( my home address ) the bank representatives I requested this information from all said on a recorded phone & in writing that were refusing to issue the account balance refund to me & that they were not obligated to disclose any additional information to me. They also indicated that they were not liable for refunding me any of my money. I spent an entire day ( see attached documents ) with a supervisor named XXXX giving her a multitude of information identity documents and over being as transparent and compliant as possible to fix the issue at hand. XXXXXXXX XXXX is still refusing to refund my money from the account balance & double down on their position of not being liable to disclose any funds to me. I was shocked at the overall position of this business being I supplied so many documents to authenticate my account, even electronically XXXX a separate bank account to their systems.

Company response to consumer: Closed with explanation