vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: 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 XXXX debt bondage, which falls under XXXXXXXX according to XXXX XXXX XXXX 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 information requested from the list of acceptable items 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Formal Complaint Regarding Charged-Off Account and Violation of Consumer Credit Reporting Laws To Whom It May Concern, I am writing to file a formal complaint regarding a charged-off account on my credit report that I believe is in violation of federal consumer credit reporting laws. Below are the details of my concerns : 1. Account Information : XXXX XXXX, account number XXXX, Account Closed XX/XX/year> 2. Nature of the Issue : The creditor has reported this account as charged-off ; however, no IRS Form 1099-C for cancellation of debt has been issued or filed as required under federal law for debts deemed uncollectible or canceled. 
Failure to issue a 1099-C when required is a violation of IRS regulations and misrepresents the true status of the debt to both me and the credit reporting agencies.

3. Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate and verifiable. This inaccuracy undermines the credibility of the reporting. 
This may also be a breach of the Fair Debt Collection Practices Act ( FDCPA ) and constitutes grounds for legal action for damages related to credit harm, emotional distress, and financial impact. 
4. Request for Immediate Action : I am requesting that the inaccurate and incomplete account information be immediately removed from all consumer credit reports maintained by the credit bureaus. Failure to address this matter promptly will leave me no choice but to pursue legal action to protect my rights under the law. 
Supporting Documentation : Copy of three credit reports : XX/XX/year>, XX/XX/year>, and current, which support account closed XX/XX/year> profit loss-write off, CFPB settlement, which supports OneMain fraudulent practices, and IRS guidelines for 1099-C. 
Please confirm receipt of this complaint and provide a detailed response outlining the steps to resolve this issue within 30 days. If you require additional information, I am happy to provide it. 
Thank you for your attention to this urgent matter. I look forward to your prompt resolution. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
According to 15 USC 1681c-2, my credit report lists hard inquiries I never approved. I request their immediate removal to rectify this issue.

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 2024-12-03 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Request for Assistance in Identity Theft and Noncompliance by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to formally request your intervention regarding a serious and ongoing issue involving identity theft and noncompliance by XXXX XXXX XXXX ( XXXX ) . Despite my numerous complaints and requests for assistance, the company has failed to take the federally mandated actions required to protect me as a victim of identity theft. 



Since XXXX of this year, I have repeatedly informed XXXX that my Social Security number and personal financial information have been compromised. An unauthorized individual, XXXX XXXX, has been able to access my personal loan details and link their XXXX account to my financial institution account. I have submitted multiple complaints, provided documentation, and escalated the matter to different supervisory levels within XXXX from XXXX through XXXX. Unfortunately, the companys response has been inadequate, and my efforts have been ignored or denied. 



Despite issuing a 10-day demand letter to cease and desist the unauthorized activities, XXXX has failed to comply. Specifically, I have requested the following : 1. Issuance of New Account Numbers : To prevent further access by the perpetrator, I have repeatedly requested new account numbers. XXXX has denied this request. 

2. Account and Payment History Documentation : I have asked for detailed records of my loan payments and the names and account numbers currently linked to my account so I can pursue criminal charges and file complaints with the FTC and the Texas Attorney General. 



XXXX refusal to act has directly resulted in continuous breaches of my privacy, compromised loan accounts, and damage to my credit score. The companys failure to comply with federal laws designed to protect identity theft victims is unacceptable and has left me vulnerable to ongoing abuse. 



I request that the CFPB escalate this matter immediately and compel XXXX XXXX XXXX to : Issue me new account numbers to prevent further unauthorized access. 

Provide a complete account and payment history, including the names and account numbers linked to my loan. 

Ensure compliance with federal laws requiring businesses to protect identity theft victims. 



I have taken extensive measures, including seeking protective orders and reporting the issue to civil courts, the FTC, and the Texas Attorney General. Despite my efforts, XXXX continues to bypass any resolution attempts. I urgently need your assistance to ensure that my rights and financial security are safeguarded. 



Please feel free to contact me if additional information or documentation is required to expedite this matter. Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Lochart, Morris and Montgomery inc claimed to have notified me of a collection at an address that wasn't listed on my credit report. Lochart, Morris and Montgomery inc failed to notify myself of any debt to be paid. Lochart, Morris and Montgomery inc also stated that they notified me on the XXXX day of XX/XX/year>2024 and then stated over the phone that they didn't send anything regarding my debt until XX/XX/XXXX of 2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XX/XX/year> They are threatening to sue me for an old debt. They have been harassing me about the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Capital One 's credit reporting practices, which have negatively impacted my credit score. Below is a detailed summary of the issues I have experienced : Auto Loan Inquiry Misrepresentation ( XX/XX/XXXX ) On XX/XX/XXXX, I applied for an auto loan through Capital One. I was informed that this application would result in a soft inquiry on my credit report. However, I recently discoveredafter obtaining my credit reportthat this inquiry was reported as a hard inquiry. I immediately filed a dispute regarding this matter but have not received any response. Furthermore, when attempting to resolve the issue by phone, I was met with vague answers and unhelpful guidance. 
Credit Card Application Impact ( XX/XX/XXXX ) On XX/XX/XXXX, I applied for and was approved for a Capital One XXXX Credit Card with a {$300.00} credit limit. The approval process resulted in an unexpected and significant drop in my credit scoreover XXXX pointson the same day. To date, the credit card itself has not been added to my account. Based on my credit report, it appears that the hard inquiry associated with this application is the primary factor for the drastic score reduction. 
In both cases, I feel that Capital One has failed to provide transparency and accurate information regarding its impact on my credit profile. These practices have caused undue stress and harm to my financial standing. 

I kindly request the CFPBs assistance in investigating these matters to ensure that my credit report is corrected and that Capital One provides clearer communication and accountability moving forward. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: RI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 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: RI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit report review revealed several billing mistakes, particularly late payments that dont reflect my usual behavior. I kindly ask you to resolve these errors and update my account. Thanks!

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Called at XXXX waited almost 30 minutes to speak with a XXXX She told me it would take over 10 ' minutes to connect to a team to get the information about my promotion on checking and when it would credit. After the account was fully verified she said she couldn't see who I spoke with last. 

I asked for her supervisor and that person got on the phone I believe he said his name was XXXX. Right after he gave me his name he pushed the mute button basically never said anything else and then hung up the phone 5-6 minutes later. 

After waiting 30 minutes and being hung up 3 times after the Citibank complaint department lady XXXX calls me back and transfers me to the wrong department for credit card promotions.. 
I honestly can't understand how they could mess things up this bad

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 2024-12-03 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Reviewing my credit report, I found several accounts that appear to be inaccurate and were added without my consent. Please remove and block these fraudulent items promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXXXXXX XXXX, Number : 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 2024-12-03 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX  XXXX, Number : 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