vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I realized today that XXXX XXXX XXXX is illegally reporting an alledged {$470.00} debt. The debt being reported is FALSE and XXXX XXXX XXXX never sent me anything before I seen it on my credit reports. I received nothing from this company or XXXX as I never had any account with tmoble at all and I will sware in a court of law that I never had an sccount with XXXX or XXXX XXXX XXXX 
I am vehemently requesting complete validation as I am disputing this debt in its entirety. I also request the PURCHASE AGREEMENT that the XXXX XXXX has with XXXX. 
I also demand the alledged debt reporting be deleted from all credit reporting agencies in which this FALSE information is being reported to.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally dispute the entry on my credit report concerning XXXX XXXX in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

On XX/XX/year>, I sent a certified letter to XXXX XXXX  requesting validation of the alleged debt XXXX, ( which is my social security number ) not an accurate account number as per my rights under the FDCPA ( 15 U.S.C. 1692g ). 

On XXXXXXXXThe letter was returned as " rejected '' and not accepted by XXXX XXXX, which is a clear violation of their obligation to provide validation of the debt before continuing any collection or reporting efforts. Given that they have not validated the debt, they are in violation of the FDCPA, and the debt remains unverifiable. 

Additionally, their refusal to accept the certified letter and validate the debt could be considered a false or misleading practice, as defined under 15 U.S.C. 1692e. The failure to validate the debt means that this account should not remain on my credit report, and I request that it be removed immediately. 

Please remove this account immediately.

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
From XX/XX/2024 to XX/XX/2024 every a month a payment of {$260.00} is taken out of my account without authorization for XXXX XXXXXXXX XXXX. A total of {$2300.00}. Which I do not have on my car. I filed a fraud dispute with Bank Of America and it was denied

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 monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding the ongoing issue of identity theft that I have reported to your respective agencies on multiple occasions. Despite providing supporting documentation such as FTC reports, a police report, an identity theft victim complaint, and an affidavit, the unauthorized accounts that have been opened in my name continue to impact my credit and financial well-being. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts associated with the fraudulent activities caused by identity theft IN 4DAYS!

These accounts are not a result of any legitimate actions on my part, and they are damaging my credit score and financial stability. 

I urge you to take immediate action to block and remove these fraudulent accounts from my credit report in accordance with the provisions outlined in the FCRA. 

( XXXX XXXX XXXX Account # XXXX ) It is my right as a consumer to have accurate and fair credit reporting, and the presence of these unauthorized accounts is a clear violation of this right. 
I kindly request that you provide me with written confirmation once the necessary steps have been taken to block these accounts. 
Additionally, I would appreciate any information on the investigation and resolution of this matter. 
Thank you for your prompt attention to this request. I look forward to a timely resolution of this issue and restoration of the accuracy of my credit report..

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I previously filled this complaint and all accounts were blocked and removed except this onejust made a mistake with not taking it off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : CITICARDS CBNA Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Around XX/XX/XXXX of XXXX, I received a letter regarding an attempt to collect a debt from a Capital One credit card from a Loan Management company called XXXX XXXX XXXX XXXX regarding said credit card amount, the problem is is that I have never had a Capital One Credit Card, and according to the paperwork from the law firm involved. I attempted to get in contact with the law firm in question- within the time that hey had requested - I had a lawsuit filed against me. They did in fact send me information regarding the credit card- after notifying me of the law suit therefore after the first notification about the attempt to collect, and in that said packet they did provide a date in which the account was open which was XXXX of XXXX ; I was XXXX XXXX XXXX in XXXX, I do not believe that Capital One would knowingly allow a XXXX to have a credit card. I also did not possess a credit score until around the year XXXX ( Thanks to student loans )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Merchant Name : ATM : XXXX XXXX XXXX XXXX, XXXX XXXX, TX Transaction Date : XX/XX/year> Transaction Amount : XXXX XXXXXXXX Transaction Id : XXXX Claim Amount : {$480.00} Claim Date : XX/XX/year> I went to a XXXX atm to withdraw {$800.00} and only {$320.00} was dispensed. SoFi is claiming that XXXX said the ATM had no issue, and that it balanced. I called XXXX and they said they can't assist. I immediately deposited what the ATM gave me back to sofi! Check the ATM footage and you'll see

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$1200.00} XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$5900.00} On XX/XX/XXXX, I have review my credit bureaus and noticed the accounts are being inaccurately report, and need to be deleted. My rights have been violated according to XXXX XXXX XXXX section XXXX ( a ) states I right to privacy. The breach of XXXX XXXX XXXX, XXXX credit bureau, and XXXX web have exposed my personal information. I do not have contract with any of these above mentioned creditors, therefore I would like this information deleted from my XXXX credit report immediately. FCRA XXXX XXXX XXXX section XXXX ( XXXX ) Also states a consumer reporting agency can not furnish an account information without my written consent and/or instructions. The above company has no permissible purpose to be on my credit report. 
Moreover, FCRA XXXX XXXX XXXX XXXX ( a ) states a creditor 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 2024-10-03 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Deinde Online Services, LLC
State: KY

Complaint narrative:
I am using XXXX  so some of the words XXXX be interchangeable anyway in XX/XX/year> Integra credit claimed I made for was given a loan. In XXXX oh no it was in XXXX of 2023 they were trying to take money from my account at XXXX which I denied or refuse the charges. So in XXXX they wrote me again about a loan that I did not receive. I XXXX have failed out long papers because I was trying to argument my account or put money in my account but I have money coming. I did not take the loan I did not receive the money and they have continuously harass me about funds that I did not receive. See you attachment. In XXXX I called the bank and did a conference call with their people and the bank and the bank told them that there was no loan applied to my account. They are calling me XXXX times a day or more and leaving messages or burning up my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I already filed 2 complaints for their unlawful activities and XXXX XXXX responded with the following and no other contact information.

" Were unable to complete the direct deposit at this time. For direct deposit requests, please allow the account to be open and in good standing for 90 days. '' Firstly, I have called their customer service at least 24 times and not even once anyone told me the above. They just wasted countless hours of my time by simply asking for the same information again and again and filling out the same forms again and again. This simply shows how little this institution cares about its customers and how much garbage their customer service is. 

Secondly, they just make their own policies as they go. I have read all the terms and conditions and nowhere does it state that I need to wait 90 days to get a direct deposit. Even their own website says the opposite and says that my rewards are available for either statement credit or direct deposit. They are engaging in unlawful activities by unilaterally making up their own policies. 

When they omit their contact info from the response, it highlights how unprofessional and unethical this institution is by coming up with unlawful policies that their own customer service representatives and supervisors aren't aware of, forget of their customers.

Company response to consumer: Closed with explanation