vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: OK

Complaint narrative:
I AM A VICTIM OF THE EQUIFAX DATA BREACH, IDENTITY THEFT & FRAUD FOR A {$20000.00} LOAN THAT I DID NOT TAKE OUT. ON XX/XX/2023 I SENT EQUIFAX A NOTICE OF DISPUTE FOR THE FRAUDULENT ITEMS AS WELL AS A COPY OF MY PASSPORT, SSN CARD, UTILITY BILL, FTC REPORT, FTC AFFIDAVIT, CREDIT REPORT AND 605b NOTICE PERTAINING TO BLOCKING OF FRAUDLENT INFORMATION. I CALLED ON WEDNESDAY XX/XX/XXXX & SPOKE WITH AN AGENT BY THE NAME OF XXXX TO CONFIRM THEY RECEIVED ALL OF MY DOCUMENTS AND IF THERE IS ANYTHING ELSE THEY NEEDED FROM ME. SHE ADVISED THAT THEY RECEIVED EVERYTHING & THE ACCOUNT AND OTHER INACCURATE INFORMATION WOULD BE REMOVED FROM MY CREDIT REPORT WITHIN 5 DAYS. TODAY, XX/XX/2023, I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/2023 ADVISING ME THAT THEY DID NOT BLOCK THE ACCOUNT DUE TO NOT HAVING ANY OF THE SUPPORTING DOCUMENTATION, ( IE FTC REPORT, IDENTIFICATION AND COPY OF THE ACCOUNT ON MY CREDIT REPORT ). WHEN I CALLED I SPOKE WITH AN AGENT XXXX  NAMED XXXX WHO ADVISED THEY DID RECEIVE THE DOCUMENTS BUT COULD NOT VERIFY MY ADDRESS BECAUSE I REDACTED MY ACCOUNT # BUT THE NAME AND ADDRESS DID MATCH WHAT WAS IN MY CREDIT FILE. SHE SAID THAT I WAS NOT ALLOWED TO REDACT SUCH INFORMATION BASED ON " INTERNAL PROCESSES AND PROCEDURES '' SHE THEN ADVISED THAT THE ACCOUNT WAS {$0.00} & CHARGED OFF AND THEY HAD " VERIFIED '' WITH THE COMPANY THAT THE ACCOUNT WAS MINE. I TOLD HER THAT IS NOT WHAT THE AGENT XXXX THAT I PREVIOUSLY SPOKE WITH ADVISED WHEN I CALLED ON XX/XX/XXXX AND IT SEEMS AS THOUGH THEY ARE BEING DECEPTIVE AND MISLEADING. I ASKED FOR A STATESIDE SUPERVISOR IN WHICH SHE REPLIED " THERE IS NO ONE WHO CAN HELP YOU, OUR HQ IS IN XXXX AND I CAN NOT TRANSFER YOU TO ANYONE THERE '' I THEN ASKED FOR HER TO PROVIDE THE PROOF OF VERIFICATION AND THE METHODS USED. SHE ADVISED THAT SHE COULD NOT DO THAT EITHER. 

THIS IS A STALL TACTIC BY EQUIFAX THAT MANY HAVE EXPERIENCED AND IT HAS CAUSED ME MUCH STRESS AND XXXX. THIS COMPANY NEEDS TO BE HELD RESPONSIBLE FOR THEIR FOREIGN AGENTS AND THERE PROCESSES ON FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: MD

Complaint narrative:
Hard Inquiries need to be removed from my credit reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NC

Complaint narrative:
I was contacted by XXXXXXXX XXXX XXXX XXXXXXXX XXXX via mail over a year after moving out claiming we owed money for damages ( {$3300.00} ). The damage price seemed very high, and the long duration between us moving out and them contacting us seemed suspicious. It's worth noting that there was no formal move out inspection done with the apartment complex on our move out date. We asked why we were just now hearing about these damages, and looked into the Indiana law ( Indiana Code 32-31-3-14 ) which states they needed to contact us about outstanding damage costs within 45 days of moving out. In an email correspondence, they stated that they checked with their corporate offices, and claimed they sent us our first notice on XX/XX/XXXX. Our move out date was XX/XX/XXXX, which would be within the 45-day window. They also claimed that was our " second '' notice. The notice I received was sent the week of XX/XX/XXXX. Their reasoning behind the second notice was that they were in the process of sending a second round of statements as a courtesy to prevent sending past due balances to collections, and that the account was previously not sent to collections due to XXXX restrictions. We asked for the details they received from their corporate offices around the first notice since we never received anything in the mail. We were told we could request that information if we let it go to collections and chose to dispute it. We chose to let it go to collections, since we did not believe the first notice was actually sent. Fast forward to this year, and we were contacted by a debt collecting company ( I.Q. Data International , inc ). The notice was sent XX/XX/XXXX. In that letter, they claimed that if we wrote to them asking for proof of the debt, they had to stop collection until that information was provided. I sent them a letter within the 30 day dispute time window, which requested numerous things, but the most important thing being proof that a notice was sent within 45 days, so I could validate the debt on my end. I received a response from the collection agency. In their response, they failed to provide proof around the first notice. I called them once I received the letter on XX/XX/XXXX, explaining that their response to my request still did not provide the proof that I was contacted within 45 days. I was told that they had no obligation to provide that proof to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NC

Complaint narrative:
I received emails the last week of XX/XX/2023 saying that I had set up a Chime bank account, set up direct deposit under a band account number I do not recognize, and a XXXX XXXX XXXX  was opened and sent to my address. I assume this is a case of identity theft since I did not do this. I was able to close the Chime bank account, but I am now a victim of identity theft. I assume someone used my personal information to do this and want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-09-05 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

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 2023-09-05 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: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: MS

Complaint narrative:
This was a false amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Progrexion Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I was sent a 'welcome ' email from credit.com which also prompted me to set up a new password.

I reached out to credit.com support email with the following message : " I don't know how this account got created, nor did I consent for an account to be created for me and use all the personal information you have about me. '' After several back and forth emails ( currently the chain sits at 23 ) over the course of weeks, credit.com first refused to remove my account, then claimed the account would be removed within XXXX business days, and now refuses to answer the emails I have sent notifying them that I am still getting their spam messages ( and therefore the fraudulent account data still exists within their system ). 

Today I was also notified that a fraudulent checking account at XXXX XXXX had been opened with my name and information attached. I don't know if the fraud maintained at credit.com is associated with this new identity theft, but the refusal of credit.com to remove my information after repeated requests could have led to this disastrous outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XX/XX/2023 I have not been able to access my savings nor checking accounts online. I tried to get a verification code send to my number in order to verify it was ne in order to access the account. The verification code did not work because it was an old number that was on file. I thereafter tried calling capital one customer service in which I uploaded my passport photo successfully a few times, about 3 or 4 times, in which my request was denied anyways. I am unable at this moment to access both of my accounts and all of my money. I need to access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: FL

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. 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, 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: FL

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. 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, 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-09-05 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: NY

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: NY

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-05 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Comenity BankXXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: CA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation