vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-12-26 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:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The account is attributed to the wrong person or is a result of a mixed file error.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The account is attributed to the wrong person or is a result of a mixed file error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CO

Complaint narrative:
My name and current address are incorrect on my Equifax credit report. I filed 3 disputes with Equifax between XX/XX/XXXX and XX/XX/XXXX. With each dispute, I verified my identity and provided proof of my current name and address. I spoke to an Equifax representative on the phone for my most recent dispute on XX/XX/XXXX, who confirmed that both my name and address would be updated. Today, XX/XX/XXXX, I opened a letter from Equifax, which was sent to the wrong address with the same incorrect name on it. The letter states that I need to submit identification, which I have already done 3 times. I am also required to submit proof of current address, for the incorrect address, which I obviously do not have since I don't live there. There are no other options for me to resolve this dispute and no additional contact information for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
The account is attributed to the wrong person or is a result of a mixed file error.

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 2024-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Dear One Main I am writing to formally dispute a late payment fee that has been applied to my account, [ Account Number ], due to a payment that was made late. As I understand, 15 U.S. Code 1666b ( part of the Truth in Lending Act ) provides certain protections for consumers regarding late payment fees on credit accounts. 

Under 15 U.S. Code 1666b, a creditor is prohibited from charging a late fee unless the payment is more than 30 days late. Additionally, the late fee can not exceed the greater of {$25.00} or the actual late payment amount, and such fees should be assessed only if the payment was made past the due date. 

I believe that my payment was made within an acceptable timeframe, or that the fee was applied in error. I am therefore requesting that you review my account and correct any inaccuracies related to the late fee charged. 

Please investigate this matter promptly, and confirm in writing that the late fee has been removed from my account or provide a detailed explanation if the fee was applied correctly under the terms outlined in 15 U.S.C. 1666b. 

I appreciate your immediate attention to this matter, and I look forward to resolving it as soon as possible. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Heres a revised and professional version of your statement : Subject : Urgent Resolution Request for Suspended Account with Experian XXXX XXXX Dear Consumer Financial Protection Bureau, I am reaching out to formally request your assistance regarding a serious issue with my Experian XXXX XXXX Digital Account, which has been suspended due to alleged unusual activity. 

I opened this account and funded it through direct deposits from my employer. On XX/XX/year>, the same day I received my paycheck via direct deposit, my account was abruptly suspended. Since then, I have submitted the required documents, including my identification and Social Security card, on two separate occasions : XX/XX/year>, at XXXX XXXX XXXX, and again on XX/XX/year>, at XXXXXXXX XXXX XXXX. These documents were sent from both of my email addresses : XXXX and XXXX. 

Despite providing all necessary documentation promptly, I have received conflicting information from Experian regarding the review process, and no progress has been made to resolve this matter. This delay is unacceptable, as I am now unable to access not only my first paycheck but also my second paycheck due to the suspension of my account. 

This situation appears highly suspicious, given that I had my account open for nearly a week before it was suspended. During that time, Experian actively sent me messages encouraging me to fund my account. However, once my account was funded, it was immediately frozen without explanation. 

I respectfully request immediate intervention to resolve this issue and restore my access to my account and funds. The lack of action by Experian has placed a significant financial burden on me, and I believe my experience warrants further investigation into their practices. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring that Experian resolves this issue promptly and that I regain access to my hard-earned money. 

Sincerely, 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 2024-12-26 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: AR

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 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 2024-12-26 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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-12-26 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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: NJ

Complaint narrative:
I have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my profile. 
According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$2500.00} LIMIT ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$1200.00} BALANCE ) Best Regards, 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 2024-12-26 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: NJ

Complaint narrative:
I have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my profile. 
According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$2500.00} LIMIT ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$1200.00} BALANCE ) Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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 have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my profile. 
According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$2500.00} LIMIT ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$1200.00} BALANCE ) Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have multiple accounts that have been charged off showing both a past due amount and a total outstanding balance. when an account is charged off the balance should be zeroed sense the company has written the account as a loss. Also when the account has been charged off the company is required to provide me with a XXXX in witch i have not received any. with the inaccurate information and some of the companies have turned over the remaining balance to debt collectors these accounts need to be deleted from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX 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 2024-12-26 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: AR

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-12-26 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: CA

Complaint narrative:
My old Room mate had opened stuff up in my name and I am now trying to get this off my credit.

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 2024-12-26 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: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX ( At the time of this contract was XXXX XXXX ) i am on the the customers who was affected with this Aqua Financing fraudulent practice and need my account to be closed and my funds refund it. Please see below. My contract was on XX/XX/XXXX. 
My address 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 deceptive/misleading conduct Retail Credit and Finance Credit and Loans A Federal Trade Commission action against household water treatment funding company Aqua Finance , Inc. ( AFI ) has led to a settlement that will provide {$20.00} XXXX in refunds and an additional {$23.00} XXXX in debt forgiveness for consumers harmed by its dealers deceptive sales tactics. 
The FTCs complaint against AFI charges that the companys nationwide network of dealers went door-to-door, deceiving consumers about the financing terms for water filtering and softening products. According to the complaint, the bogus claims left consumers with thousands of dollars in unexpected debt and huge interest payments, while its financing terms impaired some consumers ability to sell their homes.

AFI and its dealers used deceptive teaser rates to lure consumers into signing up for AFIs loans, costing them hundreds of dollars extra apiece, said XXXX XXXX, XXXX of the FTCs Bureau of Consumer Protection. As this order makes clear, the FTC will continue to use every tool available to hold upstream actors accountable for profiting from consumer harm.

Under the terms of a proposed settlement agreed to by AFI, the company will be required to : Closely monitor dealers : The order would require AFI to put robust monitoring programs in place for its dealers, including closely tracking complaints and investigating dealers, and terminating agreements with dealers who repeatedly mislead consumers. 
Make required disclosures : The order would require AFI to provide consumers with clear and conspicuous disclosures about the nature of the liens against consumers property that come with the companys financing.

Provide money for refunds : AFI will be required to pay {$20.00} XXXX to be used to provide refunds to consumers harmed by its dealers deception. 

Provide loan forgiveness : AFI will also be required to forgive loans totaling {$23.00} XXXX for certain consumers, including ensuring that any liens against those consumers property are lifted. 

Stop misrepresenting financing terms : AFI will be prohibited from misleading consumers about the terms of the financial products they offer.

Company response to consumer: Closed with explanation