vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-30 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
XXXX. Introduction : I, XXXX XXXX, am writing to formally dispute the debt referenced below that your agency has contacted me about. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you validate the alleged debt as I do not acknowledge or recognize it. 
2. Debt Details : o Account XXXX : XXXX XXXX Amount of Debt : {$410.00} XXXX. Request for Validation : Under the FDCPA, I request the following information to validate the debt : o Name and Address of the Original Creditor. 
o A Copy of the Signed Agreement that initiated the debt obligation.

o Detailed Breakdown of the amount owed, including principal, interest, fees, and charges.

o Proof of Authorization to collect this debt on behalf of the original creditor.

o Chain of Custody Documentation showing the transfer of the debt from the original creditor to your agency ( if applicable ).

4. Legal Notice : According to Section 809 ( b ) of the FDCPA, you are required to cease all collection efforts until this debt is validated. If this debt can not be validated, I request that : o All Collection Efforts Stop Immediately.

o Corrections are made to my Credit Report, removing any reference to this collection.

5. Expected Response Time : I expect to receive a response within 30 days. If you fail to respond within this time frame, I will assume the debt is invalid.

6. Compliance Notice : Failure to comply may result in complaints being filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), or my state 's Attorney Generals office. 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
" In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Address ] XXXX AZ Re : Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXccount # : XXXX Dear XXXX XXXX I am writing to formally dispute your recent findings regarding Dispute Case ID : XXXX. While I appreciate your prompt response, I must express my serious concerns regarding the assertion that the information in your file is accurate and complete. 

It has come to my attention that XXXX XXXX has provided information about me to XXXX XXXX XXXX XXXX without my explicit consent. This action constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. Additionally, the reporting of multiple accounts without my knowledge is unacceptable. 

Due to these privacy violations and the inaccurate nature of the information being reported, I hereby request the immediate removal of all accounts associated with my name from your records. The reporting of this information is damaging to my creditworthiness and is not in compliance with the FCRA. 

In light of these concerns, I also request a detailed explanation of the methods used to verify the accuracy of the reported information and the rationale behind your reporting practices.

As indicated in your correspondence, I am entitled to submit a rebuttal statement. Therefore, I ask that you include this letter as part of my rebuttal in your records. Additionally, I request a copy of any updated report to be sent to any parties that received my file within the past two years for employment purposes or within the past six months for other purposes. 

Lastly, I would like a copy of your reinvestigation procedures, including the contact information for any furnishers of information relevant to my dispute. 

Thank you for your prompt attention to this matter. I look forward to your thorough review and response. 

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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX ( exact date unknown ), I submitted a formal request via Credit Control , LLC 's website XXXX XXXX XXXX XXXX XXXX seeking detailed information regarding a debt they are attempting to collect. Specifically, I requested the following : - The original amount of the debt ( initial balance owed to the original creditor ). 
- An itemized list of any payments made on the account, including dates and amounts. 
- A detailed breakdown of any interest, late fees, or other charges added since the debt was charged off.

- Verification of the debt, including documentation proving that the debt is mine, such as copies of the original agreement or contract with the creditor. 
- The name of the original creditor, along with written notification that Credit Control , LLC is either the owner of the debt or acting as an agent on behalf of the original creditor. 

Despite this, I received no acknowledgment or response from Credit Control, LLCnot even a confirmation that my request was received. 

On XX/XX/year>, I submitted a second request through their website. In response, I received an email stating, we are unable to locate an account with the information provided. I promptly replied to this email with the debts Reference Number, which XXXX XXXX had mailed to me previously, and requested the same detailed information for a third time. This email was sent to a valid address ( not a " no-reply '' address ), but they failed to respond. 

As a consumer, I am within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request this information, and Credit Control , LLC is required to provide it without delay. Their failure to respond appropriately or provide the requested documentation is a violation of the FDCPA and undermines my ability to verify or dispute the debt. 

I am filing this complaint because Credit Control , LLC has disregarded my lawful requests and neglected their responsibility to provide the required information.

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 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was supposed to get my direct deposit from social security for the amount of {$930.00} on the account ending XXXX on XX/XX/year> and citizen bank still XXXX released my check or my funds to my account and am supposed to get my direct deposit 2 days after my payday and Citizen Bank did not release my funds to my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: AL

Complaint narrative:
I am writing to formally dispute a fraudulent entry on my credit report related to an account opened in my name without my knowledge or consent. My father, who is now deceased, appears to have taken out a loan in my name when I was only XXXX XXXX XXXX, while I was living with him. At that time, I was a XXXX XXXX  with no job and did not have the means to apply for or manage any loans. 

The account in question has recently come to my attention, as it appears on my credit report, and I believe it was obtained through identity theft. I do not recognize this debt, nor was I aware of its existence until it negatively affected my credit score.

I kindly request that you investigate this matter promptly and provide me with any necessary documentation to support my claim. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I am also requesting that you remove any negative information related to this fraudulent loan from my credit report. 

Additionally, I have taken the following steps to protect myself against further identity theft : Fraud Alert : I have placed a fraud alert on my credit report, informing potential creditors to verify my identity before issuing credit in my name.

Identity Theft Report : I am in the process of filing a police report and creating an identity theft report, which I will provide to you upon completion.

I appreciate your immediate attention to this matter, as it has significantly impacted my financial well-being. Please let me know if you require any further information or documentation to assist in your investigation. 

This loan was apparently taken out online and was not done with my consent neither did I profit from any of these funds received. As a XXXX XXXX with no job I never had means during this time to even afford to re-pay such a debt with no job. I have my father 's death certificate in which he passed away from XXXX XX/XX/year>. I should not be legally responsible for a debt that 1. I never applied for, 2. I never benefited from 3. I should've never qualified for at the at of XXXX with no job to show the company that I had means to re-pay. Also, I never received communication from the creditor regarding this debt Absolute Solutions that they claim to have sent me. I would also like to see proof of that communication as well as MY Signature on documentation approving a loan. If payment was made it was not from MY account or from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX I received money through XXXX and they restricted my account asking for personal information about who was sending me the money, then I received an email saying that I can continue using the account. In the month of XXXX they closed my account and they still haven't returned my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX 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 have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-30 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: NC

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Whenever I applied for a credit card at XXXX they said that I just didn't qualify for it and wouldn't tell me exactly why

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX - XX/XX/year> The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
1 ( B ) concerning the reinsertion of previously deleted material into my credit file without the necessary certification of accuracy and notification to the consumer, as mandated by law.

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 61 On XX/XX/year>, I discovered that the XXXX  account number XXXX was reinserted into my credit report without my knowledge or consent. This action contravenes the FCRA Section 611 ( B ), which outlines specific requirements for the reinsertion of previously deleted information :

Company response to consumer: Closed with non-monetary relief