vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-09 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: IL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$410.00}

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 explanation
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
I am a victim of XX/XX/XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IN

Complaint narrative:
I am writing to request the blocking and deletion of several accounts from my credit report. I am a victim of a recent data breach, and I believe these accounts were fraudulently opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts be immediately blocked and permanently deleted from my report : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$21000.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
On XX/XX/year> I made a full payment for the past due amount on my credit card with XXXX XXXX ( XXXX XXXX XXXX  ). The payment did not reflect on my account until XX/XX/year>. I am out of the country and wanted to use funds for travel expenses. Upon attempting to use my card the payment was declined. I called my milestone customer service to inquire as to the issue. They then told me my account was closed on XX/XX/year> because they had sent identity verification forms via mail that I didnt return. This is concerning because I have all my preferences set to paperless. 

Ive read online numerous complaints about other individuals having the same issue. They close the account because they say they sent identification verification forms. No one online said they received the funds as well. 

So now they are refusing to refund me my payment I made. I called my bank XXXX yesterday XX/XX/year> and they made me go through a prolonged process of filing a claim. I am still out of country and need the funds for use. XXXX XXXX ( XXXX XXXX ) is refusing to refund the money and my bank XXXX has yet to refund me as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 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: IN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$230.00}

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax - Delay Tactics in Dispute Resolution Dear CFPB Team, I am writing to formally lodge a complaint against Equifax regarding their handling of my dispute related to XXXX XXXXXXXX XXXX XXXXXXXX. I received a stall letter from Equifax dated XX/XX/year>, which I believe is part of a pattern of behavior aimed at delaying the resolution of consumer disputes. 

Equifax 's tactic of claiming insufficient information or documentation is not only frustrating but also appears to be a deliberate strategy to reduce the number of disputes they are obligated to address in a timely manner. By shifting the burden back to consumers, they create an environment where many may feel overwhelmed and give up on their disputes, ultimately maintaining the status quo of their credit reports.

This behavior seems to be a clear violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681n, which outlines the civil liability for willful non-compliance. I believe that Equifax 's actions fall under this statute, as they willfully fail to comply with their obligations to investigate disputes promptly and fairly. 

I request that the CFPB take appropriate action to address this matter and hold Equifax accountable for their stall tactics. I look forward to your response and any guidance you can provide on how to further pursue this issue. 

Thank you for your attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I got a letter and a request for payment from a company called Resurgent. They claim to have purchased my debt of {$150.00} from XX/XX/XXXX. Allegedly I did business or somehow authorized a charge or charges for the above amount with a company named : XXXXXXXX XXXX or LVNV Funding LLC. And Resurgent Capital Services was trying to collect from me. I did not authorize any amount with the company they claim to have bought debt from nor did I even know of this company. I wrote them a letter disputing the charge and asking they fix this error and I let them know I was going to be filling a complaint. Their letter to me trying to collect, was dated XX/XX/XXXX and my dispute and response was dated XX/XX/XXXX and it was sent to Resurgent Capital Services ATT : General Disputes/Billing Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This started back in XXXX. My husband ordered a transmission rebuild kit from XXXX. They sent the wrong item so we did our due diligence and reached out about it. We were told that they would send the correct item. Weeks went by and we heard nothing. My husband reached out and the rep said they would refund us. Weeks went by and no refund was credited to my credit card. We reached out again and the company ghosted. 

so i filed a claim with bank of america because the merchant did not refund my money for the wrong item. The item sent is not the same in price and value to what we ordered!

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 2024-11-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax - Delay Tactics in Dispute Resolution Dear CFPB Team, I am writing to formally lodge a complaint against Equifax regarding their handling of my dispute related to XXXX XXXXXXXX XXXX  XXXX. I received a stall letter from Equifax dated XX/XX/year>, which I believe is part of a pattern of behavior aimed at delaying the resolution of consumer disputes. 

Equifax 's tactic of claiming insufficient information or documentation is not only frustrating but also appears to be a deliberate strategy to reduce the number of disputes they are obligated to address in a timely manner. By shifting the burden back to consumers, they create an environment where many may feel overwhelmed and give up on their disputes, ultimately maintaining the status quo of their credit reports.

This behavior seems to be a clear violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681n, which outlines the civil liability for willful non-compliance. I believe that Equifax 's actions fall under this statute, as they willfully fail to comply with their obligations to investigate disputes promptly and fairly. 

I request that the CFPB take appropriate action to address this matter and hold Equifax accountable for their stall tactics. I look forward to your response and any guidance you can provide on how to further pursue this issue. 

Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> I sent money through cash app it was a person fraudulently acting as someone I know I sent XXXX different transactions {$60.00}, XXXX, and XXXX it was all a scam and cash app aka XXXX back says they cant do anything I called and reported it to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-09 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: IN

Complaint narrative:
I am writing to request the blocking and deletion of several accounts from my credit report. I am a victim of a recent data breach, and I believe these accounts were fraudulently opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts be immediately blocked and permanently deleted from my report : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$21000.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$230.00}

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 explanation
Consumer complaint received 2024-11-09 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: SC

Complaint narrative:
On XX/XX/year> I pulled my credit report and I was shocked at what I discovered. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am entitled to be informed of my rights regarding this alleged debt, including the right to receive verification of the debt within 30 days. I have not received proper validation or verification of this debt, and I request immediate compliance with the validation requirements set forth by federal law. Any failure to provide accurate validation will be considered a continued violation of 15 USC 1692g.

Additionally, I suspect that these debts may be a result of identity theft, as I have no knowledge or record of these accounts. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any fraudulent accounts be removed from my credit report. Therefore, I am formally disputing this debt and requesting that your agency provide the following documentation : A copy of the original signed agreement or contract establishing my responsibility for this debt. Documentation showing all activity on this account, including any payments made.

Identification details used to create or establish this debt to ensure it was not done fraudulently. 
Please cease all collection activities on this account and notify any credit bureaus of my dispute. I expect a written response confirming the resolution of this matter within 30 days, as stipulated by law. Here are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: SC

Complaint narrative:
On XX/XX/year> I pulled my credit report and I was shocked at what I discovered. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am entitled to be informed of my rights regarding this alleged debt, including the right to receive verification of the debt within 30 days. I have not received proper validation or verification of this debt, and I request immediate compliance with the validation requirements set forth by federal law. Any failure to provide accurate validation will be considered a continued violation of 15 USC 1692g.

Additionally, I suspect that these debts may be a result of identity theft, as I have no knowledge or record of these accounts. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any fraudulent accounts be removed from my credit report. Therefore, I am formally disputing this debt and requesting that your agency provide the following documentation : A copy of the original signed agreement or contract establishing my responsibility for this debt. Documentation showing all activity on this account, including any payments made.

Identification details used to create or establish this debt to ensure it was not done fraudulently. 
Please cease all collection activities on this account and notify any credit bureaus of my dispute. I expect a written response confirming the resolution of this matter within 30 days, as stipulated by law. Here are the accounts in question 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 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 2024-11-09 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance to 15 USC 1681s-2 they must furnish accurate information and update information that is inaccurate. When I observed my credit report on XX/XX/year>, I noticed incorrect balances. The XXXX XXXX Account # XXXX balance showing on credit report is {$1600.00}, this balance is inaccurate. The XXXX Account # XXXX balance showing on the account is {$400.00}, this balance 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 2024-11-09 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with account number XXXX XXXX on on XX/XX/XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX  on XX/XX/XXXX with account number XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX and these accounts have been placed in collections. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, and hard inquiries are a result of identity theft and fraud, I have attached a copy of the 3 FTC Identity Theft Criminal Complaint numbers ( XXXX ) ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) I request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that the Experian credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me vial email to 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