vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
I am a victim of identity theft, and outdated personal information ( addresses, phone numbers, and employment ) remains on my credit report. I previously requested the removal of this outdated information from all three credit bureaus ( XXXX, Equifax, and XXXX ), but my request was ignored or not fully addressed. This outdated information is no longer accurate and poses a risk to my privacy and identity security. 
The outdated information includes old addresses where I no longer reside, old phone numbers I no longer use, and incorrect employment history. This information has caused issues with receiving personal and important mail, as it is being sent to old addresses that I can not access. I am worried that my sensitive information may be compromised further due to this inaccurate reporting. 
I have contacted the credit bureaus on [ insert previous request date ] to have this old information removed but have not received a satisfactory resolution. The credit bureaus are required to ensure that the information on my credit report is accurate under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these outdated addresses, phone numbers, and employment violates the FCRA, as the information is neither accurate nor relevant to my current situation. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus immediately remove all outdated personal information from my credit report and provide confirmation of the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: NY

Complaint narrative:
I am a victim of identity theft, and outdated personal information ( addresses, phone numbers, and employment ) remains on my credit report. I previously requested the removal of this outdated information from all three credit bureaus ( XXXX, XXXX, and Experian ), but my request was ignored or not fully addressed. This outdated information is no longer accurate and poses a risk to my privacy and identity security. 
The outdated information includes old addresses where I no longer reside, old phone numbers I no longer use, and incorrect employment history. This information has caused issues with receiving personal and important mail, as it is being sent to old addresses that I can not access. I am worried that my sensitive information may be compromised further due to this inaccurate reporting. 
I have contacted the credit bureaus on [ insert previous request date ] to have this old information removed but have not received a satisfactory resolution. The credit bureaus are required to ensure that the information on my credit report is accurate under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these outdated addresses, phone numbers, and employment violates the FCRA, as the information is neither accurate nor relevant to my current situation. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus immediately remove all outdated personal information from my credit report and provide confirmation of the removal.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX D.O.B. XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. 

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status. 
2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quest Legal Group
State: MO

Complaint narrative:
On XX/XX/year> I received a letter from Quest Legal Group concerning an alleged debt to XXXX. They said they were reviewing the account for immediate legal action. They said they would get a legal judgment which could result in wage garnishment and/or a lien against my bank account. They accused me of fraudulent activity and malicious intent to commit wire fraud. They threatened to subpoena my parents, whom are both deceased, as witnesses to testify against me. They threatened to have me served with a court summons by the County Sheriff 's Office. They also threatened to do a hard pull on my credit report and damage my credit score. I don't know anything about this debt. It is my assessment that they have violated the Fair Debt Collection Practices Act and engaged in fraud themselves.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-06 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: SC

Complaint narrative:
XXXX XXXX XXXX should be removed from my reporting. This account was paid in full, but is being reported as an adverse 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/year> my name is : XXXX XXXX XXXX FACTS : EXPERIAN HAS MY # XXXX XXXX POLICE Identity Theft Report & Fraudulent Schemes and Artifices charges against XXXX  XXXX. 
FACT : Delete all other fake names : XXXX XXXX, XXXX XXXX XXXX is IDENTITY THEFT FACT : I am a victim of identity theft. I am a victim of Experian, XXXX, XXXX, SSA, IRS Data Breaches. 
These are all facts listed below : 1. EXPERIAN refuses and violates Federal Law FCRA to mail me USPS my updated credit report and INCREASED free credit score. 
2. EXPERIAN refuses to OPT me out of sharing my information. I DEMAND permanent opt out, do not share my information. 
3. EXPERIAN refuses to honor my Permanent SECURITY FREEZE, PERMANENT FRAUD ALERT, PERMANENT OPT OUT and is allowing erroneous companies to illegally spy on my credit report causing IDENTITY THEFT. 
4. I DEMAND EXPERIAN DELETE ALL SOFT AND HARD INQUIRIES, ALL COMPANIES HAVE NO PERMISSABLE PURPOSE TO HIT MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR A COURT ORDER. 
5. EXPERIAN ON RECORDING, ADMITS TO SEARCH THE DARK WEB AND POST FAKE INFORMATION ON EVERYONE 'S CREDIT REPORT IS ILLEGAL. 
6. I DEMAND MY UPDATED EXPERIAN CREDIT REPORT WITH NO ERRORS. FCRA. 
7. Experian is to mail USPS my Experian credit report with updated score to my address listed here in my CFPB 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Since at LEAST XXXX, Experian has repeatedly failed to verify my identity. I have even set up an account with them to be able to lock my credit report. No problem with that. I have sent pictures of my drivers license ( more than once ) and answered all of their questions. Yet, they STILL tell me " I'm sorry Sir, but I'm unable to verify your identity at this time. '' Because the state of Illinois uses Experian for identity verification, every time I try to apply for a state program, I CAN NOT finish the application because something is BROKEN at Experian. I have had no problems with identity with many other entities, including federal agencies ( VA ) but this issue goes ON and ON and ON. 

I have spoken with Experian, but of course, they can tell me nothing. 

I am XXXX XXXX XXXX and have XXXX XXXX XXXX XXXX and a host of other problems, making walking difficult. I am on XXXX  XXXX. Experian suggests I drive the 10 or so miles to the local office to finish my application. Not very helpful. 

I would like this issue to be resolved once and for all. Any assistance you can give me would be MUCH appreciated! 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IN

Complaint narrative:
Thank you for taking the time to review my request. I have attempted to resolve my issue of inaccurate information on my credit file twice with both XXXX and Experian over the last several months. As well as requesting copies of the information directly from the creditor where Experian and XXXX are allegedy getting the wrong information. No one can provide the information used to sign up or copies of the information so I can verify, I have NOT missed any payments on any of my accounts and this has caused higher interest rates and less money that I could use for my family. XXXX said it had not reported since XXXX  but yet creditors have pulled my credit file and using something that hasnt even been updated in a year., Experian and XXXX are both reporting inaccurate information and wrong information on both of my credit files. They are not verifying the information with the credit card companies and the companies reporting this bad information. 

Below are the companies I have requested copies of the information from both the Credit Bureau and the creditor on 2 occasions to verify my information and to provide me with copies of the information they used to verify that info with the original creditor. I requested this from Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also attached the accounts of the inaccurate information for the ones with missed payments. 

All the information the allegedy verified was verified through a third party that I did not give authorization to share my information. This is the exact reason i did not want my information shared because now I have inaccurate information being reported causing me to have higher interest rates. The hard inquiry was inaccurate and they could not verify as well. Please verify the derogatory information and provide me with copies as well. If you can not provide copies of this within 30days please remove.

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 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My sister tried to used my debit card to make a purchase on XXXX XXXX. It was declined, so she called me. I checked my account and noticed a fraudulent charge from XXXX for XXXX. It was processed yesterday and there are no orders on my Walmart account since last week. I called Capital One about my debit card and the representatives I spoke with only wanted to process my fraud claim versus holding the claim until i returned from a conference on the XXXX-I leave on the XXXX. I locked my card prior to calling and asked both representatives if they could see my locked status. The second representative who identified herself as a supervisor saw my card locked but refused to hold off on submitting the claim as I made her aware that transferring money to another account would not process prior to the XXXX and neither would receiving a new debit card. The " supervisor '' ended the call mid-discussion, submitted th3 claim, and cancelled my debit card-all without my permission or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have attempted to dispute this item for the last ten months. My Target RED card account has been reporting that my account was negative in the month of XX/XX/year>. My account was NOT to my knowledge late in the month of XX/XX/year>. I have requested for proof that no payment was made on this account and the administrator of Target RED card services has been unable to provide this information. I have disputed this information with all three credit bureaus, XXXX, XXXX, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Dear Sir/Madame, My Capital One Quicksilver card statement of {$42.00} was due on XXXX XXXX. I made the payment on XX/XX/XXXX of {$690.00}, to cover the {$42.00}, {$25.00} late fee and also the upcoming amount of {$620.00} out of good will. I thought Id be OK, but was charged {$11.00} of interest charge unexpectedly. The {$11.00} charge was posted on XXXX XXXX. 3 days AFTER Ive paid for the XXXX statement, not only in full, but in extra. 
For {$42.00} statement two days late, was charged {$11.00} of interest charge, what kind of interest rate is this? 
I spent a lot of time looking at the statements, and found that they charged 26.24 % interest rate based on {$510.00}, which totally does not make sense. I called the credit card company and even asked for the manager, but they refused to correct their mistake. 
I suggest customers look carefully of the tricks on interest rate. I am very frustrated of being ripped off, and wasted all the time calling the credit card and studying the statements. I am attaching the statement from XXXX and XXXX for your information. I really appreciate CFPBs help straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXXXXXX XXXXXX/XX/year> To Whom It May Concern : This is my final communication regarding your claims that the information below has been " verified '' and that the information being reported by the furnishers is 100 % accurate. 
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 I have repeatedly asked for your evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnishers. 
Furthermore, I have requested your method of verification and you have not complied which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) and 15 U.S. Code 1681e ( b ) which states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' and you have neglected to provide me which such information either time I have requested it. 
In absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 

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 explanation
Consumer complaint received 2024-10-06 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: NC

Complaint narrative:
Additionally, upon your having corrected my credit report, please provide a copy of the same to all creditors who have received my report within the last six months. Please also provide the corrected report to all requestors who received my report for employment purposes within the past 2 years as required by Section 1681i ( d ), which requires you to, " furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed 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