vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: KY

Complaint narrative:
I have contacted the credit bureaus multiple times about these XXXX accounts from XXXX XXXX. These accounts are incorrect! There should only be XXXX account and the balance isn't correct. I have sent proof of payment to the bureaus but they continue to allow this company to ruin my credit report. This has cost me thousands of dollars in interest & has been going on way too long. 

I will be forced to file a formal complaint with the FTC shall they continue to operate disregarding the law. I also intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 

For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from 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 2024-11-03 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute an incorrect address that appears on my Equifax credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file. As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter. 

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification.

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 2024-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from the company noting that I needed flood insurance. I contacted my insurance company, and proof of my insurance, as well as proof that I am not located in a flood-prone area, was sent to LoanCare mortgage company on XX/XX/2024. The insurers provided documents from XXXX showing that my area had less than a XXXX XXXX chance of flooding as such I was not mandated to have additional flood insurance. 
Still, on XX/XX/XXXX, I was sent a letter informing me that XXXX purchased {$250000.00} flood insurance. My mortgage with this company is XXXX. This will increasing my mortgage payment by more than XXXX a month which, I can not afford. I have contacted the mortgage company again with no resolution. 
My insurance company again sent Loancare proof that the property is not located in a flood prone area, still Loancare insists on my having to purchase this exorbitant amount of insurance that I can not afford.

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 2024-11-03 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: CT

Complaint narrative:
My account has not been late on payments. Im submitting XXXX late payments and I'm requesting you investigate this account and update these payments to paid on time.This misinformation is negatively affecting my credit score. 
Thank you.

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 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I was looking on my credit report and I noticed I had a collection account from Portfolio Recovery that was open XXXX and I never have an account with them. I also never lived at the address on file this account. According to my consumer rights this creditor violated my rights Under 15 USC 1681 section 602 states I have a right to privacy, 15 USC 1681 section 604a it also states that a consumer report agency can not furnish a account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : LATE PAYMENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was viewing my credit report and noticed I had a collection account from capital one for XXXX opened on XXXX. I have never lived at address on file for this account. My information must of been compromised in Data Breach or someone used my identity. According to my consumer rights this creditor violated my rights Under 15 USC 1681 section 602 states I have a right to privacy, 15 USC 1681 section 604a it also states that a consumer report agency can not furnish a account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I check my credit on XXXX login and I find a account on there wish now its on collection This the account Information : CREDENCE RESOURCE XXXX XXXX Date opened : XXXX XXXX XXXX Collection account. {$890.00} past due as of XX/XX/year> So I sent a dispute letter to XXXX credit bureau With a identity to report and they responded to me saying they wont remove the collection on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has not given any information to verify this account they have placed 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY I DISPUTED THE INQUIRIES ONLY NOT ANY PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : EXPERIAN : 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. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. The credit bureaus have failed to remove the disputed information leaving me no other choice but to XXXX this adavit. The credit consumer agencies HAVE violated my rights PREVIOUSLY BEFORE WITHOUT PROPER OPTIONS I have EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. THE ONLINE DISPUTE CENTER portals do not WORK WHEN I DISPUTE NEGATIVE INFO ON THE 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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I sent the remittance on XX/XX/XXXX and its supposed to arrive with the recipient on XX/XX/XXXX. They sent me a message on XX/XX/XXXX that it has been delayed and it MIGHT be available between XX/XX/XXXX to XXXX. I asked for a refund or cancellation of transfer but they wont give me my money back or cancel the transfer. They are not holding the end of their bargain with the remittance agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dont you dare try to give me the run around with a generic auto populated email indicating that you dont believe it's me. I swear to XXXX I will use that in court just do you Job. I am writing this letter to you in reference to the information you have furnished on my consumer report. You responded to my initial request for an investigation stating that the information had been verified. Thats impossible because I have never entered into a consumer contract with any of these companies. I noticed that you have violated federal law 15 USC 1681a ( 2 ) ( b ). Your negligence has prevented me the right to extend credit and as a result, I have been a victim of discrimination. See attachments for proof. As a consumer reporting agency you are required to evaluate the information you furnish about me before adding the information to my consumer report. Your agency is now put on official notice of these violations, which makes you liable. Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation. You have directly reported information that has resulted in my defamation of character. The deceptive information you furnished has led to creditors and employers believing that I am in debt, even though you have failed to provide adequate proof. I have contacted the data furnishers directly and I have documented evidence that they are no longer attempting to collect this alleged debt based on the fact that they were violating 15 USC 1692j ( a ) Your company has caused extreme financial and emotional hardship for me and my family. According to 15 USC 1681 ( o ) you are liable therefore I am granting your company the chance to rectify this matter by doing the following. 

The immediate deletion of these account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to remove all unauthorized items. 
Accounts to Be Blocked and Deleted : 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 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 XXXXXXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ACCOUNT IS IN LITIGATION I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has ILLEGALLY sold debt to XXXX XXXX XXXX XXXX and is in direct violation of 15 U.S.C., Sec 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Sealed Affidavit has been sent to both companies with no response which will now result in criminal charges being filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT HOLDING with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service XXXX XXXX XXXX XXXX IRS XXXX ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT. Upcoming court dates will be sent to both parties to resolve this matter expeditiously.

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 2024-11-03 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: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : LATE PAYMENT 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

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : LATE PAYMENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : LATE PAYMENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: CT

Complaint narrative:
I reviewed my credit report and noticed an account that was not reported accurately. i had XXXX late payments on an account that i was in fact paid on time. The reporting agencies need to report all information with accuracy.

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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. My email is XXXX. My number is ( XXXX ) XXXX. The last XXXX of my social is XXXX capital one card number is XXXX. This card used to be an secured credit card. But this year capital one converted my card to unsecured card and send me {$2800.00} refund balance check on XXXX. But i never received this {$2800.00} refund check. Please resend this check my mailing address on file which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ASAP! Capital one closed my account a few month ago. I do not want to bank with them anymore. Please give my money back ASAP! Thank you!

Company response to consumer: Closed with monetary relief