vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
-- - Incident Description On XX/XX/XXXX, I encountered an issue concerning my credit account with XXXX XXXX XXXX XXXX regarding the protection and sharing of my nonpublic personal information. The company 's actions appear to violate the customer privacy protections stipulated under 15 U.S. Code 6802. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Early Warning XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX the Event - Date of Incident : XX/XX/XXXX - Involved Parties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- Description of Actions Taken by You : - On XX/XX/XXXX, I contacted customer service, sent an email, and filed a dispute. 
- I requested the company address the following : - Notice Requirement : The company failed to provide a clear, conspicuous notice explaining their policies on collecting and sharing consumer personal information. 
- Opt-Out Right : I was not informed about my right to opt-out of having my personal information shared with non-affiliated third parties. 

Consequences As a result of the company 's actions, I experienced a significant financial loss, impacting my overall financial stability. Additionally, my credit score was adversely affected due to unauthorized transactions, leading to increased stress and concern over my financial security. This situation caused great frustration and anxiety, as I had to spend considerable time and resources addressing the unauthorized activity and restoring my credit standing. 

Conclusion and Request I urge you to address this matter promptly. To resolve the issue, I would like the company to take the following actions : 1. Correct Information : Immediately correct any inaccuracies in my personal and financial records that may have resulted from their oversight.

2. Provide Compensation : Offer fair compensation for the financial loss I incurred, as well as any additional expenses related to restoring my credit score and dealing with the fallout from the breach.

3. Ensure Compliance : Implement robust measures to ensure full compliance with 15 U.S. Code 6802 and other relevant privacy laws. This includes updating policies and practices to prevent future breaches and adequately protecting consumer information. 

Please treat this matter with the urgency it deserves to restore trust and ensure the privacy and security of all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I made an international transfer via Remitly but the funds have not been delivered till Today. I have called them several times but they keep telling me that they are working on it. It is now going to the second month and currency value keeps changing against my favor in the destination country.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of collections, charge-offs, inquiries, and closed accounts on my credit report. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, that I am disputing the following items : XXXX XXXX XXXX List of Disputed Accounts : XXXX XXXX / XXXX - Type : Collection - Issue : Reported inaccurately and unverifiable. 

XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXX  / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 


XXXX XXXX XXXX XXXX XXXX Type : Closed Account - Issue : Misleading or inaccurate reporting of status. 

Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to : 1. Investigate disputes within 30 days of receipt.

2. Provide a written response including the outcome of their investigation and any changes made to the credit report.

3. Provide documentation used to verify the accuracy of the disputed information or remove unverifiable information from the report. 

Despite my previous attempts to resolve these inaccuracies directly with the credit reporting agencies, they have failed to comply with their obligations under the FCRA. As a result, I am escalating this matter to the CFPB for immediate assistance and enforcement action. Furthermore, I demand that the disputed accounts be removed from my credit report within 4 days of receipt of this letter to prevent further harm to my credit profile. 

Please find enclosed copies of my credit report with the disputed items highlighted, as well as any supporting documentation. If further information is needed, I can be reached at XXXX Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to ensure compliance with federal law and resolve these disputes promptly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of collections, charge-offs, inquiries, and closed accounts on my credit report. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, that I am disputing the following items : XXXX XXXX XXXX List of Disputed Accounts : XXXX XXXX / XXXX - Type : Collection - Issue : Reported inaccurately and unverifiable. 

XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 


XXXX XXXX XXXX XXXXXXXX - Type : Closed Account - Issue : Misleading or inaccurate reporting of status. 

Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to : 1. Investigate disputes within 30 days of receipt.

2. Provide a written response including the outcome of their investigation and any changes made to the credit report.

3. Provide documentation used to verify the accuracy of the disputed information or remove unverifiable information from the report. 

Despite my previous attempts to resolve these inaccuracies directly with the credit reporting agencies, they have failed to comply with their obligations under the FCRA. As a result, I am escalating this matter to the CFPB for immediate assistance and enforcement action. Furthermore, I demand that the disputed accounts be removed from my credit report within 4 days of receipt of this letter to prevent further harm to my credit profile. 

Please find enclosed copies of my credit report with the disputed items highlighted, as well as any supporting documentation. If further information is needed, I can be reached at XXXX Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to ensure compliance with federal law and resolve these disputes promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 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 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am very loyal to my Capital One credit cards. I have a security card that Ive had for sometime now they told me when I got the security card that it will mature into a unsecure card that never happened. I have a XXXX account and I keep getting these very small minute Increases and not getting the true value of my credit line increases. I dont understand. Why am I only getting {$100.00} {$50.00} increases here and there its a slap in the face for me and I am loyal to my car as I pay on time. I just dont understand why they are not graduating me and maturing me to the level that I deserve for my credit worthiness also my XXXX XXXX XXXX. I have a {$550.00} credit limit. Im asking for a credit line increase And some other rewards and Im just not getting it from them. Im putting in all this hard work and paying off my credit cards and doing everything that Im supposed to do as far as managing my account and keeping my account in Goodwill and so forth and such and Im just not getting what Im putting in Im not getting that from them. I feel like Im being deprived of my credit worthiness and not giving the true value of my hard work with Capital One. Im asking for substantial credit line increases. I have friends and family member that have credit limits that are at thousands of dollars and here I am stuck with credit limits that are {$400.00} {$550.00} like what is that like Ive been with them for years now and I just dont understand why Im not getting the rewards I should be getting from them. For this complaint, I was only able to add one of my accounts theres three accounts so the account that is added in this complaint is for my platinum secure card, my XXXX account number and my Savor account numbers are not added because I guess you can only add one account but again I have 3 accounts with this Bank. I will indicate them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My phone number is incorrect on this panel : my correct number is : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
The business credit card Ive had through XXXX ending in XXXX belonging to XXXX XXXX XXXX XXXX showed up on my personal credit. Im not a sole owner. The company is going through hard financial difficulties at the moment and Im personally being affected from the claim on my personal credit report. My credit score due to this appearance dropped my personal credit score XXXX points in a time when Im having personal financial struggles do to the business issues. Until the business is fixed and in good standing I cant have additional issues like business debt through a company on my report further damaging my financial situation

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 2024-12-12 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:
The business credit card Ive had through XXXX ending in XXXX belonging to XXXX XXXX XXXX XXXX showed up on my personal credit. XXXX not a sole owner. The company is going through hard financial difficulties at the moment and Im personally being affected from the claim on my personal credit report. My credit score due to this appearance dropped my personal credit score XXXX points in a time when Im having personal financial struggles do to the business issues. Until the business is fixed and in good standing I cant have additional issues like business debt through a company on my report further damaging my financial situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
The business credit card Ive had through XXXX ending in XXXX belonging to XXXX XXXX XXXX XXXX showed up on my personal credit. XXXX not a sole owner. The company is going through hard financial difficulties at the moment and Im personally being affected from the claim on my personal credit report. My credit score due to this appearance dropped my personal credit score XXXX points in a time when Im having personal financial struggles do to the business issues. Until the business is fixed and in good standing I cant have additional issues like business debt through a company on my report further damaging my financial situation

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 2024-12-12 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: 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 XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX has violated my rights. I viewed my XXXX credit report on XX/XX/2024 and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( 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
Consumer complaint received 2024-12-12 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: IL

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$2800.00} XXXX  XXXX {$16000.00}

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 2024-12-12 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: IL

Complaint narrative:
To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX {$2700.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$2800.00} XXXX XXXXXXXX {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
" 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
The company did not provide me with documentation of the original contract with signatures as requested. And have not validated my debt. I have not received any calls or letters in mail from Bridgecrest as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 

I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within XXXX days, as required by law. 

Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : 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