vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Capital One Credit Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Follow-Up on Credit Report Dispute Account Ending in XXXX, Capital One Case : XXXX Dear Sir/Madam, I am writing in response to your letter dated XX/XX/XXXX, concerning the above-referenced account and case number. I appreciate your prompt investigation into my dispute. However, I must clarify certain points and provide additional information to support my claim that this account was opened without my consent and should not have been attributed to me. 

While I acknowledge that the contact information and personal details you mentioned in your letter ( address, phone number, and email ) are associated with me, I would like to emphasize the following : Age Verification : At the time this account was opened on XX/XX/XXXX, I was under the age of XXXX. As per CFPB regulations and Capital One 's policy, individuals under XXXX must either prove independent means to make payments or have a co-signer over XXXX. I did not meet either requirement, and no co-signer was involved in the application process. 

Inaccurate Approval : Given the above point, the account should never have been approved under my name. This is a clear violation of both Capital One 's policy and federal regulations, making the account 's presence on my credit report erroneous. 

Activity on the Account : While it appears there have been transactions and disputes associated with this account, I maintain that I did not authorize the opening of this account. It is possible that my information was used fraudulently, and the subsequent activities were carried out without my knowledge or consent. 

I kindly request a re-investigation into this matter, considering the points outlined above. It is crucial to rectify this situation to prevent further damage to my credit report and financial standing. 

Enclosed, you will find additional documentation supporting my claim : - Proof of age at the time the account was opened. 

I urge you to review this new information and correct the inaccuracies on my credit report. Please provide a written confirmation once the investigation is complete and the account is removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : Proof of age at the time of account opening

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-13 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: DISCOVER BANK
State: GA

Complaint narrative:
This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of Georgia Consumer Law and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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:
I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which takes a long time for someone to get my complaint and process it, which I am filing this complaint. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : TransUnion, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13 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:
I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which takes a long time for someone to get my complaint and process it, which I am filing this complaint. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXXXXXX XXXX- Date Opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : TransUnion, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX 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 2024-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
When I moved there was equipment for internet owned by XXXX. I shipped it back, but XXXX turned over the equipment cost to a debt collector known as IC System. However, the equipment was shipped on XX/XX/2024 aXXXX XXXX XXXX from a local XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. There are the instructions to the shipment : Device # XXXX Serial Number XXXX Device # XXXX Serial Number XXXX Reference Number : XXXX Tracking Number : XXXX Accordingly, I believe the collection should be deleted permanently. 

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 2024-07-13 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:
I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which takes a long time for someone to get my complaint and process it, which I am filing this complaint. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXXXXXX XXXX- Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer

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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: MA

Complaint narrative:
Notified credit reporting agencies of late payments that was reported on my credit report and is inaccurate. I disputed them and Requested for them to be removed and they stated it was properly reporting I requested validation and have yet to receive any.

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 2024-07-13 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: AZ

Complaint narrative:
HARD INQUIRIES WERE DELETED ON CONSUMER 'S CREDIT REPORT BUT HAS NOT YET REFLECTED NOR REMOVED FROM CONSUMER 'S CREDIT REPORT. ALL UNKNOWN HARD INQUIRIES SHALL BE DELETED AND REMOVED IMMEDIATELY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: AZ

Complaint narrative:
HARD INQUIRIES WERE DELETED ON CONSUMER 'S CREDIT REPORT BUT HAS NOT YET REFLECTED NOR REMOVED FROM CONSUMER 'S CREDIT REPORT. ALL UNKNOWN HARD INQUIRIES SHALL BE DELETED AND REMOVED IMMEDIATELY ASAP.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INCORRECT INFORMACION IN MY CREDIT 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 non-monetary relief
Consumer complaint received 2024-07-13 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 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 Experian I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was denied access to overdraft my account with no explanation or reason as to why this right was taken from me

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 2024-07-13 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: CA

Complaint narrative:
Experian, I am writing to express my strong disagreement with the accounts listed below that continue to appear on my credit report, even after your investigation. I insist on an immediate re-investigation of these accounts. The inaccuracies are significantly impacting my XXXX XXXX, and this matter requires urgent attention. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Not listed XXXX : Not Listed ** ] Closed ( XXXX ) Updated ( XX/XX/XXXX through XX/XX/XXXX ) XXXX : Not listed XXXX : Not listed I must emphasize that repeatedly reporting charge-offs every month is not in compliance with the law. Each update extends the statute of limitations and makes the account appear more recent than it actually is. Re-aging accounts is a serious violation of credit reporting regulations. 
The XXXX XXXX account was charged off in XX/XX/XXXX with a charge-off status. The XXXX XXXX XXXX account was charged off in XXXX. Since then, these accounts have been updated as charge-offs every month, which is incorrect. A charged-off account should not include an active payment history. This inaccurate information inappropriately affects the statute of limitations. 
Your investigation appears to have been inadequate, and this oversight has infringed upon my rights. Furthermore, the inconsistent reporting of balances and accounts across bureaus is also a violation of credit reporting laws. 
I would like to remind you of the relevant legal provisions : - Section XXXX ( a ) ( XXXX ) of the FCRA prohibits furnishing inaccurate information to credit reporting agencies. 
- Section XXXX ( a ) ( XXXX ) of the FCRA requires furnishers to provide accurate information to credit reporting agencies. 
- Section XXXX ( a ) ( XXXX ) ( A ) requires furnishers to provide accurate information to credit reporting agencies. 
- Section XXXX ( b ) outlines the duties of furnishers to correct and update information. 
Based on these violations, I am formally requesting the deletion of the above-mentioned accounts. 
In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, please provide the names and business addresses of each individual with whom you verified this information so that I XXXX follow up as necessary. I expect to receive an updated copy of my credit report after your re-investigation. 
Your prompt attention to this matter is appreciated, and I look forward to a timely resolution of these issues. 
Sincerely, 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report, and not to be VERIFIED nor UPDATED. 
Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # XXXX Account : XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card

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