vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 

XXXXXXXX XXXX XXXXXXXX XXXX Systems bal. {$7700.00} XXXX XXXX XXXX {$5800.00} Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NY

Complaint narrative:
My identity has been compromised since the year 2019. The thieves used my stolen information to open a credit card with XXXX XXXX XXXX. I have never had any financial relationship with XXXXXXXX XXXX. This negative information is drastically hindering 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 2024-07-28 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: NY

Complaint narrative:
My identity has been compromised since the year 2019. The thieves used my stolen information to open a credit card with XXXX XXXX XXXX. I have never had any financial relationship with XXXXXXXX XXXX. This negative information is drastically hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
there are collections accounts that I had no prior knowledge of and I demand that they are deleted. These account are hurting my credit rating, credit standing, and credit capacity as these consumer reporting agencies are reporting unverifiable information. I have never received any notices from these companies regarding their respective debt which is a violation of both FCRA and FDCPA.

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 2024-07-28 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: NJ

Complaint narrative:
I sent in a dispute letter for removal of fraudulent accounts with XXXX XXXX XXXX XXXX and was sent a letter stating the account was verified. The account could not have been verified because I was sent a letter stating that the account didnt belong to me. Equifax lied about their investigation, if proper investigation was done they would have found that the account was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-28 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: NJ

Complaint narrative:
XXXX Transunion and XXXX are reporting unverifiable accounts on my consumer reports and I demand that they are deleted.

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 2024-07-28 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: NJ

Complaint narrative:
Equifax XXXX and XXXX are reporting unverifiable accounts on my consumer reports and I demand that they are deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Reporting Act ( FCRA ) Section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received notice that an account was sold to a third party however I never received information about who the account was sold to. Please provide me with information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  I need a section 623 letter for XXXX XXXX XXXX. 15 USC 1666b states no open credit account shall not be reported as late under no circumstances instead of facing fines please adjust them to P.A.D. 
XXXX Sure, here 's a draft of a Section 623 letter you could use to address a dispute with XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), specifically addressing issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Incorrect Credit Reporting under 15 USC 1666b To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my credit account with XXXX XXXX XXXX  XXXX Under Section 623 of the Fair Credit Reporting Act ( 15 USC 1666b ), an open credit account should not be reported as late. However, I have observed that my credit report incorrectly reflects late payments for my XXXX XXXX XXXX account. 

As you are aware, 15 USC 1666b stipulates that no open credit account should be reported as late, and as such, reporting my account as late is in violation of this regulation. Instead of facing potential fines for this violation, I request that you promptly adjust my credit report to reflect the account status as " Paid As Agreed '' ( P.A.D. ), which accurately reflects the current standing of my account. 

Please investigate this matter and correct the information on my credit report accordingly. I request a written confirmation of the adjustment to be sent to my address within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-07-28 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 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 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
The company is called Robinhood. I used this app throughout my personal XXXX to buy or sell XXXX, I had an email on XXXX stating that they locked out my account because they suspected something and they didnt want to specify it. They said that they wanted a utility bill to prove that I was living within the XXXX. I clearly told them that I was living in the XXXX and if they wanted further information personal information which they know they have all my information up to date. Since they clearly they didnt want to solve my issue they illegally closed my account froze my XXXX wallet and forced shutdown my account because of just a utility billing and they didnt want neither my birth certificate or passport that proves I live in this said address, not only I lost my money and my investments I also lost on investing opportunities due to their negligence and their mismanagement, I had not been notified on my email regarding this situation but when one was recent that they did send they told me that they were gon na shutdown my account, I feel that Robinhood indeed robbed my investments, froze my assets, froze my money which they still owe me back and upholding my money. If you need further information or text from them please contact me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-28 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I've never signed a contract with this company for anything. I have never given permission verbally or in writing to anyone to pass my information to this 3rd party that I've never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to address a serious issue related to my personal and business accounts with Bank of America. I have been a loyal customer for over XXXX  years, maintaining a very good payment history with both my personal and business accounts. Recently, I encountered an issue where my credit limits for both personal and business accounts were suddenly decreased without justification. 

I received a letter from Bank of America notifying me of the decision to reduce the credit line on one of my personal credit cards. However, I was not informed about the reduction of my business credit card limit or the limit on another personal credit card. I discovered these reductions only when transactions were denied, causing significant inconvenience and frustration. As a long-time client with a very good payment history, I believe this lack of communication and the subsequent impact on my business is unacceptable. 

The impact on my business has been significant. As a XXXX XXXX who creates custom XXXX and XXXX XXXX, I rely heavily on my credit lines to purchase high-quality materials, maintain inventory, and manage cash flow. The sudden decrease in my credit limits has restricted my ability to fulfill client orders promptly and invest in marketing efforts to attract new clients. This has not only caused financial strain but also affected my reputation and client satisfaction. Furthermore, this issue is affecting my future business prospects and personal financial stability, as it limits my ability to expand my business and secure necessary funding. 

I am deeply concerned that Bank of America has discriminated against me by decreasing my credit limits despite my long-standing history as a reliable customer. This action seems unjustified and has further compounded the issues caused by an erroneous credit report entry by XXXX XXXX, which has incorrectly reported a business credit card on my personal credit report. 

New Information : Recently, I received a letter from Bank of America notifying me of the decision to reduce the credit line on one of my personal credit cards. However, I was not informed about the reduction of my business credit card limit or the limit on another personal credit card. I discovered these reductions only when transactions were denied, causing significant inconvenience and frustration. As a long-time client with a very good payment history, I believe this lack of communication and the subsequent impact on my business is unacceptable.

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 2024-07-28 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: PA

Complaint narrative:
there are collections accounts that I had no prior knowledge of and I demand that they are deleted. These account are hurting my credit rating, credit standing, and credit capacity as these consumer reporting agencies are reporting unverifiable information. I have never received any notices from these companies regarding their respective debt which is a violation of both FCRA and FDCPA.

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 2024-07-28 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account was not reporting accurately. 
I have XXXX late payments on an account that was last paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments. 
I've attached a copy of my reports to the complaint on the following dates. 
( XX/XX/year> ), XX/XX/year> XXXX I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-07-28 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account was not reporting accurately. 
I have XXXX late payments on an account that was last paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments. 
I've attached a copy of my reports to the complaint on the following dates. 
( XX/XX/23 ), XX/XX/23 XXXX I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a statement in the mail today that shows multiple reversed fees, XXXX XXXX XXXX payments, and late fees. {$150.00} of {$10.00} late fees and a payment of {$270.00}. My monthly payment is approximately {$160.00} with a due date of the XXXX of each month. I make my monthly payments before the due date and Im incurring a monthly {$10.00} late fee. Per this statement unbeknownst to me I have to pay my payment by the XXXX of the month to avoid a late fee. Per the contract document it states that I will receive a {$10.00} late fee if not paid XXXX days after the due date of the XXXX of each month. This does not state a reoccurring {$10.00} late fee if paid before the XXXX ( my due date ). If this is the case my due date should be documented as the XXXX instead of the XXXX of each month. I have not agreed to a continuous late fee for paying before my due date. I have not had any real positive interaction with this company without involving complaints. I was informed by the landscaping company that conned me in to this deal and was notified that this company no longer service landscaping financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I deposited {$2900.00} in to XXXX drive thru atm at chase I was receive an error with a receipt and was told to call the number.the cash and check I deposited was never returned and after filling a claim I was denied on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation