vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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:
Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful. 
15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. 
Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. 

It has come to my attention that my account with XXXX XXXX, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. 

I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under XXXX XXXX XXXX  purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. 
In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. 

A copy of this request for validation has been sent to the FTC CFPB AND XXXX national Credit Reporting Agencies to begin their 30-day ingestion. 
Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. 




Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX. 
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). 

XXXX. A personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of these hard inquiries, along with a copy of the consumer XXXX  credit report maintained by you, which highlights the fraudulent items mentioned above. 

I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX via chat with a Citi Card agent I requested a replacement card and was told it would be mailed and should be received in 4-7 business days. When I looked again at my account it showed the account was closed. I never requested for my account to be closed! I reached out to Citi Card via phone on XX/XX/XXXX and spoke to an agent who told me that the account was closed because I had requested it on XX/XX/XXXX. I NEVER REQUESTED FOR MY ACCOUNT TO BE CLOSED. I explained to the phone agent that I never requested account closure and was expecting a replacement card. They informed me that they could request for the account to be reopened but it probably would not be able to be reopened. My account balance was {$0.00} so I informed the phone agent that I wanted to file a complaint and that I would not be requesting a reopen if there was slim to no chance that it would be restored.

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 2024-08-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : 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 non-monetary relief
Consumer complaint received 2024-08-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
This is follow-up to a complaint filed on XX/XX/year>, REF XXXX. Velocity Investments answered the compliant on XX/XX/year> stating this claim of debt was placed on HOLD pending review by their compliance team. They were reaching out to the original creditor requesting additional documentation. Again, as stated, I was advised this claim of debt was placed on HOLD. Today, XX/XX/year> was received a summons that was I was being sued for this claimed debt without receiving any additional documentation as promised by Velocity Investments. After speaking with their law firm today, I was advised by their attorney that they were never notified by their client to place the account on HOLD.I feel this was a violation of the promise which was made to me advising they would be getting me further validation of the claimed debt.

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 2024-08-14 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: PNC Bank N.A.
State: CA

Complaint narrative:
In 2019, I was a victim of identity theft. The accounts are listed below and in the FTC report that I attached. XXXX. PNC Bank ( XX/XX/year> ) : {$54000.00}. This fraudulent account is on my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> I sent a letter to TransUnion stating there were some violations and the report needed to be updated. I received a letter stating Updates were made but nothing relevant to the violations were updated For example : XXXX XXXX XXXX  XXXX failed to enter a Notice of Dispute within 30 days of XX/XX/year> and also XX/XX/year>. 

The FCRA clearly states in Section 623 ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

XXXX XXXX XXXX illegally re-aged this account by updating the date of last activity to XX/XX/year>. 

I do not believe there was any investigation that took place and the FCRA clearly states in 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Please reinvestigate these XXXX accounts for violations and if they are in any way inaccurate, inconsistent, incomplete, or unverifiable they must be removed from my credit report. 

According to the law I have a right to a complete and accurate 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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
from XX/XX/XXXX until XX/XX/XXXX citibank stole {$14000.00} lied cfpb cover up committed draud broke close a dozen state federal bank laws as well violated XXXX terms in user agreement contract and negligence caused me to loss everything trauma and damages worth XXXX  accepted over {$14000.00} in direct deposits from state ny belonging to me and put them into someone else acct. informed me the acct was incoming only due comprmised hacked acct they put the first XXXX into assured me no one can touch my money branch manager at XXXX sent me to XXXX  to open up my own acct so they could transfer any future incomingdeposits. the guy opened me an acct told me no info didnt give me temp card online banking nothing! then ontop of that they never told me about the {$14000.00} they kept allowing to go ito an acct not belonging to me and never transferred to the acct they had me open or never even informed me. then let someone withdrawal all my deposits sent from nydol. only way i foud out wen i just fially got pay istory from XXXX. then i call citi priority tryiinng get bottom of it. next day they illegally added my name to acct they accepted deposits too plus keep giving us fake statements. ones that dont show the fraud they committed then lied cfpb

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian customer support on XX/XX/year> and said that they had incorrect Personal Information in my credit report. 

The agent reviewd and as they reviwed it would be corrected said they would fix and did not fix it. 

The Personal Information information is still incorrect on a number of items.

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 2024-08-14 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-08-14 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: DE

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital Systems LLC, they did not provide me with proof of a signed contract with them as requested.

The above statements can be verified in the attached debt validation letter I sent to Jefferson Capital Systems LLC and their subsequent response also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consists of a auto loan opened at XXXX XXXX on XX/XX/year> under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaintas proof from the US Federal Trade Commission that all of the aforementioned consumer creditaccounts, collections, and hard inquiries are the result of identity theft and fraud.

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