vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX, XXXX Creditor Name : XXXX XXXX XXXXXXXX Dear CFPB , I am writing to formally file a complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX XXXXXXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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 2024-10-11 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: VA

Complaint narrative:
I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The chapter that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # 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 2024-10-11 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: VA

Complaint narrative:
I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The chapter that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # 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 2024-10-11 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute three collection accounts that appear on my credit report. I believe these accounts contain inaccurate information and violate my rights under the Fair Credit Reporting Act ( FCRA ).

According to Section 1681s-2 ( a ) ( 3 ) of the FCRA, a debt collector is prohibited from misrepresenting the identity of the creditor, specifically stating that they are the original creditor. In reviewing my credit report, I found that the collection agencies for the following accounts have inaccurately stated that they are the original creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collections Services These misrepresentations not only violate the FCRA but also harm my credit standing and my ability to secure future credit. Therefore, I request the immediate removal of these accounts from my credit report due to this illegal activity. 

I have attached the relevant documentation regarding these collection accounts for your review. 

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


Attachments : Collection Documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX  Credit XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  Credit Cards XX/XX/2024 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
Enclosed with this complaint, you will find copies of my dispute letters sent to the Credit Bureaus. I have been disputing with XXXX, XXXX and Transunion since XX/XX/year>, of this year. Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Despite my follow-up letters that I have mailed out on several occasions the Credit Bureaus has failed to conduct a proper investigation or correct the errors as required under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). These actionsor lack thereofare clear violations of federal law, as credit reporting agencies are mandated to ensure the accuracy of the information they report and to investigate disputes within a reasonable timeframe. The continued inaccurate reporting has caused me significant financial harm and emotional distress, as it negatively impacts my creditworthiness and ability to obtain credit. 

Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

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 2024-10-11 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: TX

Complaint narrative:
Enclosed with this complaint, you will find copies of my dispute letters sent to the Credit Bureaus. I have been disputing with XXXX, Equifax and XXXX since XX/XX/year>, of this year. Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Despite my follow-up letters that I have mailed out on several occasions the Credit Bureaus has failed to conduct a proper investigation or correct the errors as required under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). These actionsor lack thereofare clear violations of federal law, as credit reporting agencies are mandated to ensure the accuracy of the information they report and to investigate disputes within a reasonable timeframe. The continued inaccurate reporting has caused me significant financial harm and emotional distress, as it negatively impacts my creditworthiness and ability to obtain credit.

Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Heres your updated dispute letter addressed to Capital One : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/2024 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following account on my credit report, which I have not authorized : Creditor Name : Capital One - All Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. 
Delete any entries or information that were furnished or obtained without my consent. 
Send me a confirmation of your actions regarding the deletion or correction of my credit report. 
Additionally, I request that you send a copy of the updated credit report reflecting these changes. 

Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a business checking with truist bank. I opened an account with truist on XX/XX/year>. I funded the account with {$100.00} dollars, on XX/XX/year> I XXXX {$100.00} dollars from my truist account into another account. Literally since that day I have yet to use the account of even made any major deposits into my account. I play on splitting deposits from my other existing accounts and this one but before I had the chance my someone obtained access to my debt card and charged {$80.00} from a merchant called XXXX on XX/XX/year>. Again I have yet to fund this account or make any deposit since that initiation date of XXXX the account balance was at {$0.00}. So you would understand how Im surprised as to how anything would be charged on an account that has a XXXX balance at the time. I called truist to let them know whats going on, they make a claim only to have found out that on XXXX the claim was reversed. Now I ask myself how can that be when i literally did not make any purchase they said the reason was because i authorized it simple as that. No proof, no evidence just that i made the purchase. This is beyond preposterous and ridiculous it makes absolutely no sense. On top of me being charged for something i did not authorize I was also hit with a over draft/ returned item fee for {$36.00} dollars which makes even less sense when there were XXXX dollars on the account to being. This is proof that everyday these companies have less and less respect for customers who empowers them and keeps them running everyday.

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 2024-10-11 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I called at the beginning of this week, Monday XX/XX/XXXX, after receiving a card for my daughter to active it as a user. Upon calling I was told that I could not activate the card because my account had been closed and there was nothing they or I could do about it. I asked to talk to a supervisor who told me the same thing and also told me that he could not tell me the reason why my account had been closed and I will be receiving a letter explaining the reason. I was chocked and upset and hanged up. I called again and I explained that I had scheduled an automatic payment of {$500.00} for XXXX the XXXX. and I wanted to cancel it and schedule another payment for the total amount of the credit line that is {$700.00}. The representative told me that I owe {$1300.00} because on XX/XX/XXXX. I had called to request a check of XXXX {$1300.00} and that my account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-11 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: CBC Companies, Inc.
State: DC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: MI

Complaint narrative:
XX/XX/year> Account name WORLD FINANCE Account number XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need to be deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: AL

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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