vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The following accounts are involved : Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$370.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX XXXX  XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date XXXX XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/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 2024-10-25 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: NC

Complaint narrative:
On Thursday, XX/XX/year>. I received a notification from Experian stating that a new address has been added to my credit report. It is a very old address that USED belong to me. Multiple previous attempts using a previous address and my personal identifying information have taken place over the years. Aside from further information being available upon request. I strongly feel that such illegal acts have continued because the people involved are not concerned with legal consequences as to my dismay the involved authorities are not interested in making those involved accountable.

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 2024-10-25 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: LA

Complaint narrative:
Less than 30 days ago, I received my first communication from XXXX XXXX XXXX regarding an alleged debt to XXXX XXXX, dating back to 2018. Despite the FCRA requirement of a 30-day period to dispute this debt, Experian allowed XXXX XXXX XXXX to report this debt on my credit file without providing me with the allotted time to dispute the claim.

The letter I received from XXXX XXXX XXXX stated that they were responding to a dispute I allegedly initiated, despite this being the first notification I received regarding this debt. There was no prior dispute initiated on my behalf because I was unaware of this debts existence until the recent letter.

The letter included account access information, which had just recently been created, allowing me to view the alleged debt online. This misleading correspondence from XXXX XXXX XXXX appears to misrepresent an initial notification of debt as a dispute response, a tactic that undermines my consumer rights and skews the dispute process.

FCRA Section 611 requires Experian, as a credit reporting agency, to ensure that all reported items are accurate and to honor the consumers right to a fair dispute process. By reporting this debt without the
30-day dispute window, Experian has failed to fulfill this legal duty.

FCRA Section 623 obliges credit reporting agencies to ensure furnishers of information ( such as XXXX XXXX XXXX ) only report verified and accurate data. Given the misrepresentation of an initial notification as a dispute response, Experian has allowed potentially misleading information to enter my credit report without confirmation, damaging my financial standing.

Experians disregard for due process has led to a decrease in my credit score, impacting my financial stability and creditworthiness. This improper reporting has resulted in tangible harm, preventing fair access to credit and damaging my financial reputation.

FCRA Section 611 : Requires credit reporting agencies to verify accuracy and uphold the consumers right to dispute within a 30-day window.

FCRA Section 623 : Mandates that information furnishers and credit reporting agencies only report verified and substantiated items.

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 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

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 2024-10-25 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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 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 non-monetary relief
Consumer complaint received 2024-10-25 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I deposited a business check via ATM. Becuase of my XXXX and XXXXXXXX XXXX it's hard for me to socialize. I use the automated teller as result of. All.pf sudden they can't release my funds becuase they lost the check. They isay it's just not there yet? What ... .that sounds crazy. This is bilkion dollar federally back institution and my checks just not there yet? XXXX had XXXX of thousands of dollars in checks from my employees deposited into this account and all of sudden they can't release a check? This is discrimination against my XXXX and they need to be fined for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2024-10-25 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Case number : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX Amount : {$490.00} Date : XX/XX/XXXX I ordered a XXXX XXXX for a XXXX XXXX XXXX XXXX from XXXX XXXX. The original order was for a part that was labeled to fit this year, make and model vehicle. The website was mislabeled and a merchant error that was noted and updated by the merchant after I received the part and brought it to their attention. I contacted the merchant and they agreed the part number was miscategorized and instructed me to return the product in the original package. The merchant refused to to provide a shipping label and I was disputing the shipping cost internally with management. 

I was offered to have them send the correct part for my year, make, and model and the cost was not honored as the price posted on the website. The website listed a cost of {$490.00}. The new part was shipped and installed on my vehicle. 

I continued to complain with the merchant that I have the original order and would like a refund. They refused their refund and refused to pay the expense of return shipping even though it was the merchant error. I reluctantly sent the part back with a cost of {$120.00} which was also charged to the XXXX 's credit card on XX/XX/XXXX. XXXX tracking number XXXX. The return was received by XXXX on XX/XX/XXXX. The merchant received the refund and still refused to refund the disputed charge or credit my account for the shipping cost. 

Again, the part was mis-labled by the merchant and did not fit the vehicle as the part description stated. I spoke to several customer service reps at XXXX who agreed the part was not correct, the error was on the merchant side, and they opened a tech ticket to update the website to fix the description. 

XXXX failed to perform an Adequate Investigation, failed to contact me the consumer to gather additional information, and clearly resolved the dispute via automation as the facts were not taken into consideration. 

To resolve this complaint, I expect to be credited for the {$490.00} and {$120.00} for shipping

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint to CFPB about Equifax on XXXX. I sent all relevant information through CFPB website and equifax received it including a certified letter reciept. They continue to send the same letters over and over even though they have all my identifying information requested. They are still refusing to dispute my information on credit report, which is starting to effect my life on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: World Acceptance Corporation
State: GA

Complaint narrative:
ATTENTION : CONSUMER FINANCE PROTECTION BUREAU In a period that includes less then 30 days, XXXX, has feloniously and fraudulently altered my credit report in retaliatory tactics to try and coerce me to stop me from disputing and making complaints if their negligence and unethical practices. For the last 30 days XXXX, has stop me from viewing and obtaining up to date information of my credit file to make sure they are abiding by mandates and standards. As is my right as a consumer. Ive been able to still maintain alerts thru other products Ive had long time service with that monitors my credit report. Today for the 3rd time I received an alert that changes were made to my XXXX credit report that were negative. Today for the 3rd time I received an alert that an account that has been closed and charged off at {$180.00} and has accrued a month to month balance to date in the amount of XXXX ; was again fraudulently and feloniously reopened and and reported as currently missing payments. The first time it was XXXX payments, days later it is now XXXX payments. These are erroneous and criminal additions to my report ; especially while being in an investigative state, and XXXX is doing its due diligence to not conduct and do business by standards and mandates, but by its own egregiously abusive and malicious mandates and regulations. This is an extreme infringement on my rights and I demand they be held accountable, responsible, and accessory as well to in the beginning WORLD ACCEPTANCE/WORLD FINANCE abusive and fraudulent attempts, to now being an individual owner in the injury and harm I have received from a company that is supposed to protect and report accurately ; not abusively and feloniously. As well as the above, in attempts to further cause me injury by not being able to dispute or rectify, I called in today and spoke to a representative named XXXX, I immediately before prompt gave pertinent information, same information on my report to establish and verify my identity. I still was made to answer security questions, same questions Ive always answered as correct and was further denied ; despite being same answers on my report and same questions from previous call days ago. This is tampering with my credit file to hinder me to consumer and owner of said file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
ATTENTION : CONSUMER FINANCE PROTECTION BUREAU In a period that includes less then 30 days, EQUIFAX, has feloniously and fraudulently altered my credit report in retaliatory tactics to try and coerce me to stop me from disputing and making complaints if their negligence and unethical practices. For the last 30 days EQUIFAX, has stop me from viewing and obtaining up to date information of my credit file to make sure they are abiding by mandates and standards. As is my right as a consumer. Ive been able to still maintain alerts thru other products Ive had long time service with that monitors my credit report. Today for the 3rd time I received an alert that changes were made to my EQUIFAX credit report that were negative. Today for the 3rd time I received an alert that an account that has been closed and charged off at {$180.00} and has accrued a month to month balance to date in the amount of XXXX ; was again fraudulently and feloniously reopened and and reported as currently missing payments. The first time it was XXXX payments, days later it is now XXXX payments. These are erroneous and criminal additions to my report ; especially while being in an investigative state, and EQUIFAX is doing its due diligence to not conduct and do business by standards and mandates, but by its own egregiously abusive and malicious mandates and regulations. This is an extreme infringement on my rights and I demand they be held accountable, responsible, and accessory as well to in the beginning XXXX XXXX XXXX abusive and fraudulent attempts, to now being an individual owner in the injury and harm I have received from a company that is supposed to protect and report accurately ; not abusively and feloniously. As well as the above, in attempts to further cause me injury by not being able to dispute or rectify, I called in today and spoke to a representative named XXXX, I immediately before prompt gave pertinent information, same information on my report to establish and verify my identity. I still was made to answer security questions, same questions Ive always answered as correct and was further denied ; despite being same answers on my report and same questions from previous call days ago. This is tampering with my credit file to hinder me to consumer and owner of said file.

Company response to consumer: Closed with explanation