vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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:
XXXXXXXX XXXX is reporting 4 accounts in my credit reports that I never authorized or opened. The following 4 accounts are all due to identity theft ; XXXX XXXX  XXXX XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ... XXXX XXXX Attached, please find an identity theft affidavit filed with the FTC ( # XXXX ) and a police report. Pursuant to FCRA Section 605B, I am requesting the removal/suppression of these 4 accounts due to the fact that they are fraudulent and identity theft. Please remove XXXX XXXX XXXX XXXX ... XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ... XXXX from my credit reports.

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 2024-11-18 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: NJ

Complaint narrative:
I recently looked at my credit report and seen an account that was not reporting accurately. The delinquencies payment shown on my credit report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES act, which was signed into law on XX/XX/XXXX and ended XX/XX/XXXX amended the Fair Reporting Act ( FCRA ) crisis under these circumstances. Please update this information to PAID AS AGREED for the following time period : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: NJ

Complaint narrative:
I recently looked at my credit report and seen an account that was not reporting accurately. The delinquencies payment shown on my credit report in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES act, which was signed into law on XX/XX/XXXX and ended XX/XX/XXXX amended the Fair Reporting Act ( FCRA ) crisis under these circumstances. Please update this information to PAID AS AGREED for the following time period : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-11-18 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: OH

Complaint narrative:
on XXXX i sent certified mail to XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify my mortgage payment history and information because it appears to be inaccurate ( late payments shown - which is inaccurate - also, account was paid in full in XX/XX/year> and closed in good standing ). more than 30 days passed no response received from XXXX. 

On XXXX i sent certified mail to XXXX & EQUIFAX stating the above along with all certified mail associated with the above referenced correspondence and XXXX & EQUIFAX took no action ( it has been over XXXX XXXX months since then ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I was made aware of a Legal Hold that had been placed on my account I contacted Capital One Bank for assistance and they had no information about the hold finally a few days later I received a letter from Capital One explaining that it was a Legal Hold and who I needed to contact. I contacted this company on XXXX and was advised this was a hold placed from a car rental that my son had used my insurance for and now they were going after me. I set up an arrangement with this company and they agreed to release the Hold and fax information to Capital One. The information was faxed on XXXX and I called the Bank every day before someone would tell me on XXXX the papers had been received but missing the signature of the Judge. I called the Lien Company again they faxed information XXXX more times still no success finally I went to the court myself on XX/XX/XXXX they pulled up the papers for the Judge to sign which he did on XX/XX/XXXX the bank claims to still have no information I went back to the Bank again on XX/XX/XXXX were they gave me a copy and notarized the paperwork I took the information back to the bank on XX/XX/XXXX where they emailed the information to their Legal Department and still no response now I am being told I have to wait another 2-5 business days for the release if they accept the information. I called on XX/XX/XXXX and I spoke with a Manager XXXX # XXXX out of Delaware who was the rudest of everyone we spoke to he was no help and I can't believe he being in customer service would be allowed to talk to customers the way he did. I am contemplating leaving the bank because of this reps attitude never in this ordeal have I spoken to anyone as rude as this gentleman. Capital One has not tried to help in anyway with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only. 
DELETE ADDED INQUIRIES : XXXX  XXXX XXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23, XXXXXXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23. ( XXXX ) ADD ACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE INACCURATE EMPLOYER : XXXX XXXX XXXX. 

Please see attached identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CA

Complaint narrative:
It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only. 
DELETE ADDED INQUIRIES : XXXX XXXX  XXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23, XXXXXXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXXXXXX XXXX XXXXXXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23. ( XXXX ) ADD ACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE INACCURATE EMPLOYER : XXXX XXXX XXXX. 

Please see attached identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I sent a cancellation notice to XXXX XXXX XXXX XXXX in writing due to the abundance of spiders and wasps outside of our home- the technicians did not appear to be visiting which we noticed due to working from home. Their website claims if the pests do not go away after service, they will come out for free and make it right. This never happened, nor did I want them to because of how far away they are from our location. The company resisted the cancellation and consistently harassed me by text, email, calls to have me call to cancel instead ; they would not accept the various attempts in writing. On XX/XX/year> they said they will be sending the cancellation invoice for some unspecified amount, which was charged to my card on XX/XX/year> in full. There has never been an invoice for the cancellation of the contract sent to me in writing, other than the {$160.00} they charged to our card on file on XX/XX/year>. No payments in the past ever went unfulfilled as they have always had authorization to charge the card on file. Again, no balance was sent for any amount owed other than the {$160.00} that was paid in full. Now, the company has sent the balance they already charged to a collections agency claiming I never took care of the debt. I took care of the debt, cancelled the service, and they company also has always had an authorized card to take care of any amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal section is misleading and reporting false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
the information was placed on my credit bureau report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-18 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of the inquiries listed below due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these inquiries be immediately removed from my credit report to protect my personal and financial information. 
Inquiries : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-18 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing the reporting of this account on my credit report because it contains inaccurate information. Specifically, the balance and charge-off details are incorrect. This account was resolved, and I have documentation to support this resolution. I request that you investigate this error thoroughly and remove the inaccurate information. Please inform me of the steps being taken to address this dispute and ensure the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My venmo account was suddenly suspended for no reason. I tried replying to the email which was what they said to do and I tried calling twice, on both calls I was told they would escalate the process but as of today, I still haven't gotten any response. 
They wanted more proof of my identity, all of a sudden, which i won't do, because I'm a XXXX XXXX  and I know I'm the target of scammers. 
My daughter did a little research and she found that several people complained of the same issue, right after they had deposited a payment. XXXX was {$3.00} for a gallon of milk for her, which is mostly what we used it for. 
I'm going to call again now to see if they will delete my account without a hassle. 
The whole situation is so unnecessary. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
I've contacted the credit bureaus and placed a fraud alert and filed a FTC report on XX/XX/year>. Someone is still applying for credit without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
I told them I have XXXX and not XXXX and someone stole my purse and may have used my social to sign up for service with them. I asked for debt validation documents and they never sent me anything. I have disputed with the credit bureau and they don't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I have had a Best Buy card for many years and have been a very good customer to best buy. I shop there often and encourage others to do the same. I have always had a good experience when dealing with Best Buy, and that is why this shocked me. I was mailed a Best Buy XXXX with an annual fee. My Best Buy Card did not have an annual fee. I contacted Best Buy and was told that a letter had been mailed to my house, and that because I did not answer the letter they assumed I wanted the visa. They may or may not have mailed the letter, but I don't remember seeing it. I explained that I did not ask for or want a Best Buy Visa, and I was told that there was nothing they could do. I could of course cancel the XXXX, but because the account was already opened, this would effect my credit score. I asked for them to simply transfer me back to the Best Buy Card I used and was happy with for years. They said this was not possible. They also mentioned that if I did take the credit score hit and canceled my card, that I would never be able to get a normal Best Buy card again. So, I am left with paying {$59.00} a year for a Credit Card I did not ask for or want, or lowering my credit score because I closed a line of credit. I don't know if signing a customer up for a XXXX because he or she did not decline an offer letter is legal, but it is definitely unethical.

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