vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by Equifax. 
Late payments were reported for XX/XX/year> by XXXX and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication.

Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act. 
If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by Equifax. 
Late payments were reported for XX/XX/year> by XXXX and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ). 
Proof supporting the claim of late payments, including specific dates, amounts, and communication. 
Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act. 
If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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 did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NY

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2024-12-23 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: F.H. Cann & Associates, Inc.
State: DE

Complaint narrative:
Notice of Violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
people keeps on stealing my identity and there are so many inquiries

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 2024-12-23 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: VA

Complaint narrative:
Should Capital One fail to resolve this matter to my satisfaction within the specified timeframe, I will proceed with arbitration through the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and pursue all legal remedies available to me under federal law. Furthermore, I reserve the right to file a complaint with the Office of the Comptroller of the Currency ( OCC ), notify the Federal Trade Commission ( FTC ) of your noncompliance, and U.S. Securities Exchange Commission.

I am writing to formally instruct you to process the attached Power of Attorney ( POA ) concerning XXXX XXXX security account. Please confirm receipt of the POA and advise me of the actions you will be taking in response to these instructions. The POA document has been provided for your records through your online portal & attached to this correspondence as well, and I respectfully instruct all necessary actions be taken to ensure that the instructions within the POA are followed. As part of this letter of instruction 's, holding Capital One Accountable, I instruct that you update the relevant Security account and take immediate action as instructed in the POA, including but not limited to the removal of any inaccurate late payment marks for the month of XXXX and the updating of the account status to Paid as Agreed. CAPITAL ONE Account XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so here and now. 

Page XXXX Per Capital One Card Member Agreement Subsection Governing Law : Applies to Your Agreement : It States We make decisions to grant credit and issue you a Card from our offices in Virginia. This Agreement is governed by applicable federal law and by Virginia law. If any part of this Agreement is unenforceable, the remaining parts will remain in effect. 

Page XXXX Under Credit Reports : If you believe that we have reported inaccurate information about your Account to a credit bureau or other consumer reporting agency, notify us in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. When you write, tell us the specific information that you believe is incorrect and why you believe it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by XXXX. 
Late payments were reported for XX/XX/year> by TransUnion and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication.

Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act.

If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by XXXX. 
Late payments were reported for XX/XX/year> by TransUnion and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication. Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act.

If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law.

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, 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 2024-12-23 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2024-12-23 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint regarding XXXX unauthorized hard inquiries that have been made on my credit report, which I believe are a result of identity theft. The inquiries listed below were made without my knowledge or consent, and I am taking immediate steps to address the fraudulent activity : XXXX. Inquiry XXXX : XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX - Business Type : XXXX XXXX XXXX  Companies - Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone : ( XXXX ) XXXX XXXX. Inquiry XXXX : XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal Date : XX/XX/XXXX - Business Type : XXXX XXXX- Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone : ( XXXX ) XXXX I did not authorize either of these inquiries and was unaware of them until I recently reviewed my credit report. I am concerned that these inquiries are part of an ongoing case of identity theft. As such, I have reported this matter to **IdentityTheft.gov** and have attached a copy of my complaint form to this letter for your reference. 

In addition to reporting the fraudulent activity to the appropriate authorities, I request that your office take the necessary actions to investigate these inquiries and remove them from my credit report. I also ask that you keep me informed of any steps being taken and the resolution of this issue. 

Thank you for your prompt attention to this matter. I trust that the Federal Consumer Protection Bureau will act swiftly to address this serious issue and assist in resolving the fraudulent inquiries. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I am writing to inform you that my personal information has been compromised as a result of a recent data breach involving both XXXX XXXX XXXX XXXX XXXX XXXX. It has come to my attention that the breach exposed sensitive data associated with my accounts, potentially including [ list the type of information affected, such as name, email address, financial information, etc. ]. 

I have already taken steps to mitigate the impact of this breach, including [ mention actions like changing passwords, contacting customer support, or monitoring accounts ]. However, I wanted to bring this matter to your attention to ensure that necessary precautions are being taken on your end. 

If you need any further information or documentation to assist in resolving the situation, please let me know. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I am filing this complaint because Citibank locked my account, preventing me from accessing or managing it. Despite repeated attempts to resolve the issue and close the account, Citibank has not provided a resolution. 

Since I lost access to my account due to my profile being locked, several automatic payments and transactions have caused my account to go negative. I have been unable to address or stop these transactions because I can not access the account. This has led to unnecessary fees, penalties, and negative reporting to XXXX and other credit reporting agencies, further harming my financial reputation. 

I have contacted Citibank multiple times to request closure of the account and a resolution to these issues, but my requests have been ignored. This situation is unacceptable and has caused significant financial and emotional distress.

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 2024-12-23 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company or Organization : Date began : XX/XX/XXXX XXXX {$3600.00} The date that I discovered it XX/XX/XXXX TRUIST  {$55000.00} XX/XX/XXXX Date that I discovered it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered it XX/XX/XXXX {$340.00} Medical {$970.00} I am vicicim of identify theft from the XXXX breach and 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