vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding my ongoing challenges with Equifax in attempting to unfreeze my credit. I am in the process of buying a car and need my credit report accessible ; however, I have been unable to resolve this issue despite numerous attempts. 

I have called Equifax multiple times to : Set up an account. 
Unfreeze my credit. 
Each time, I am told to submit a copy of my driver 's license and Social Security card. I have done so, and I have confirmation via tracking that these documents have been received by Equifax. Despite this, I am repeatedly instructed to resend the same documents after every phone call, which is frustrating and inefficient. 

Additionally, attempts to set up an account online result in an " XXXX '' error code. When I call for assistance, I am directed back to resubmitting documents, which I have already sent multiple times. 

This repeated process has made it impossible to resolve my issue, and I am unable to move forward with my car purchase. I would appreciate assistance in resolving this matter promptly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XXXX XXXX XXXX I sent a payment to XXXX for the amount of {$440.00}. XXXX indicates that said payment has not been received. It appears debited from the account on the account statement. After several calls to XXXX and visits to the bank ( XXXX ) for almost a year, this situation has not been resolved. My husband and I are emotionally ill due to this incident. The debits after that were with the available balance, meaning that we did not use it. 

I filed a complaint through the CFPB of the United States, sending the account statement and a letter from the bank as evidence, and XXXX still indicates that they have not received the money. XXXX account was closed because of this. 

The checking account number was - XXXX. In my name and in the name of my husband XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-22 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Dear COMENITYBANK/HELZBERG, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : COMENITYBANK/HELZBERG, dated XXXX Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: AZ

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 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 XXXXXX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

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

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 non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-22 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: GA

Complaint narrative:
Account Name : XXXX  XXXX Account Number : XXXX XX/XX/2017 Reason : I don't recognize this account

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 2024-11-22 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:
I am filing a formal complaint against Equifax due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes regarding this account ( Account Number : XXXX ), they have failed to correct or remove these errors. This inaccurate reporting is significantly harming my credit score and misleading potential lenders, which negatively impacts my financial opportunities. 
I have contacted both Equifax and the company involved several times, yet no resolution has been reached. This lack of action is unacceptable and continues to cause me unnecessary financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX., has violated my rights. 

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

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 2024-11-22 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested a 1099-C from Capital One bank after my account was closed and charged off XX/XX/year>. 
I received no response from Capital One bank directly. 
I later received documents threatening to sue me in XXXX XXXX XXXX NJ by XXXX, XXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by Capital One Bank . 
All three Credit Bureaus XXXX XXXX, XXXX, XXXX ) are each reporting an open balance on my credit report. 
Each time I call Captial One, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, Too, have asked XXXX XXXX for the 1099-C form.

As well as Validation of debt under title 15 U.S Code 1692g. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a formal dispute letter to Equifax on XX/XX/2024 ( Dispute ID : XXXX ), regarding inaccuracies on my credit report. Equifax failed to respond within the legally mandated 30-day period, which ended on XX/XX/2024. Despite follow-up letters dated XX/XX/2024 and XX/XX/2024, Equifax has neither conducted a reasonable reinvestigation nor deleted the disputed items as required under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : Failure to Respond Within 30 Days : Equifax did not meet the 30-day deadline mandated under FCRA 611 ( a ) ( 1 ) ( A ). Their response on XX/XX/2024 through the CFPB portal is untimely and invalid. 

Failure to Verify or Provide Documentation : Equifax has not provided the requested method of verification or supporting documentation directly from original creditors, as required under FCRA 609 ( a ) and 611 ( a ) ( 7 ). 

Retention of Unverifiable Items : Equifax continues to report inaccurate and unverifiable information, including : XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX ( two accounts ) XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Hard Inquiries Not Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Impact of Equifaxs Negligence : Equifaxs failure to comply with FCRA mandates has caused : Financial Harm : A XXXX credit score drop, resulting in higher interest rates and credit denials. 
Emotional Distress : Anxiety and stress from unresolved inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Opened a CD with XXXX bank on XX/XX/XXXX online. During the process, I was prompted of how to fund the CD. I selected EXTERNALLY, and submitted my Bank of XXXX XXXX. 
XX/XX/XXXX Bank of XXXX deducted the amount from my account ( $ XXXX ) XX/XX/XXXX Citizens can not find the funds. Spent 2 hours on the phone with Citizens, was told to call Bank of XXXX for them to use the Trace Info to pull back the funds. XXXX stated it was a ACH transaction, not a transfer, so there is no Trace Back option as that a transaction doesn't use XXXX XXXX. Was told to call Citizens bank as the money has bee pulled from my XXXX  account Called Citizens, this time was told it was a XXXX Transfer that failed. And to call Bank XXXX XXXX again. 
Bank of XXXX states there is nothing they can do as it the same as using a Debit card, once the money is out of their hands, its up to Citizens to figure out where it is. 
No one at Citizens can find my $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: OK

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. Under 15 U.S. Code 1681c-2, I am entitled to have this inaccurate information blocked and removed from my credit report. I have already provided the credit reporting agencies with the following : A copy of my identity theft police report XX/XX/2024. 
An Identity Theft Report filed with the FTC. 
A statement declaring that these accounts are not mine and are the result of identity theft. 
Despite submitting this information, the credit reporting agency has failed to block or remove the fraudulent accounts as required by law. I am requesting the CFPBs assistance to ensure compliance with federal law and that this inaccurate information is removed from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
Ive encountered serious issues with how my billing and payments have been reported, and its having a negative impact on my credit. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but this hasnt happened in my case. Payments Ive made havent been properly recorded, and there are clear calculation errors in the reported balances. To make matters worse, I was not given the required 21-day notice before my payment was due. Because of this, any late payment marks on my account are invalid and should never have been reported in the first place. These mistakes not only violate federal law but also unfairly harm my credit and financial reputation.

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Today, XX/XX/year>, I have a withdrawal/debit, from an unknown company, Concora Credit XXXX The amount is {$700.00}. I contacted my bank in New Jersey, XXXX XXXX They closed my checking about and filed a report with their fraud department. 
When I called the company phone number that I found on the internet, the recording asked me for my Social Security number, so I hung up. 
I have since read many complaints online regarding Concora credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I submitted a formal dispute ( Dispute ID : XXXX ) to Equifax regarding inaccurate and unverifiable items on my credit report. Equifax failed to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ), as the deadline of XX/XX/2024, was missed. I sent a follow-up letter on XX/XX/2024, and a final demand on XX/XX/2024, but Equifax did not provide any response until XX/XX/2024, via the CFPB portal XXXX This response was untimely and failed to meet FCRA requirements. 

Equifax retained unverifiable accounts and failed to provide direct verification or documentation as required by law. They also did not conduct a manual reinvestigation as explicitly requested and relied on automated systems like XXXX. Additionally, Equifax ignored my demand for certified mail communication and responded only through the CFPB portal. 

I am requesting immediate deletion of all unverifiable accounts and inquiries, written confirmation of these deletions, and assurance that these items will not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
I moved in XXXXXXXX XXXX XXXX The company sent me move-out invoices in XXXX. I settled all other amounts except XXXX XXXX. In emailing with the leasing director I provide proof that the small hole they tarred up was there upon move-in and the leasing director confirmed it was also listed on my move-in report and they would remove the charge. They continued to invoice me for " XXXX XXXX '', then they sent it to their parent company and I restarted the process. Then they sent it to collections and I disputed it, now they have sent it to the credit reporting agencies. XXXX reviewed the evidence and removed it, XXXX did not and states I need to submit a FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation