vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to discuss an ongoing issue I have encountered regarding the deposits of cashier 's checks and regular checks into my XXXX account. It appears that the checks are consistently placed on an extended hold, which is quite concerning ( cashiers check deposited XX/XX/year>, regular check deposited XX/XX/year> ). 
Upon contacting my bank for assistance in releasing these extended holds, I have been informed that they are unable to do so due to delays in fund verification from your institution. I understand that XXXX is considered a third-party institution, and that there have been recent concerns regarding fraud associated with your bank. 
I would like to kindly request your assistance in finding a more efficient way to verify the funds for the recent check I deposited. Timely verification would greatly alleviate the inconvenience caused by these extended holds.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I got an alert that I was over my credit limit on a Capital One Quicksilver Credit Card. I checked my card immediately and noticed XXXX charges that I did not make. XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX. I promptly call the credit card fraud number on the back of my card. I was asked if I still had the card in my hand and I honestly answered yes. I asked how the charges were made and was told by the rep via XXXX or XXXX XXXX tap. The rep canceled my card and issued me a new one. On XX/XX/XXXX, I received a letter stating my card was not compromised and I needed to pay the charges. I called capital one back and was told the charges were made with the chip. Therefore, Im liable for the charges. I explained I did not make these charges and XXXX is full of articles regarding credit card duplications. One including chip duplication. I asked for the documents showing the investigated and what methods they used. The rep just stated she does not have that. I asked for the person that does. She stated over that I am liable for the charges. I called back later the same day. I spoke with a different rep and he stated the charges were reversed. I asked him to hold while I checked and to my surprise they were. I was told by the rep I would never see the charges again. On XX/XX/XXXX, I checked my card again and the charges were back. I called again and got a fraud department supervisor. He just repeated over and over that capital one believes I made the charges. I explained I didnt and why would I go through this trouble if I have had XXXX problems paying for charges in the past. He just kept repeated my card was not compromised and I made the charges. The investigation was based on me still having the card in hand. Case closed. I would like more answers and an explanation if this is Capital ones best practices for any future instances. I need help getting my money back as I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Solar loan for the company that abandoned the job was serviced by good leap. It has been XXXX mos since paying the loan. I asked to pause the payments but never happened, they hsve not given me option they assigned a new solar company to finish the job. But i want to find the solar company that i prefer. 
It's funny not to make the choice of who to hire.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-29 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: OH

Complaint narrative:
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 2024-12-29 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: CA

Complaint narrative:
Tuesday, XX/XX/year> All Three Credit Bureaus My Information ( my name ) XXXX XXXX XXXX ( my address ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( my telephone number ) ( XXXX ) XXXX XXXX ( my employment ) XXXX XXXX XXXXXXXX XXXX ( my E-mail ) XXXX all three credit bureaus please remove all of my personal information history because I'm trying to eliminate identity theft so please remove everything else use the info up above. 
I need for you to remove these creditors from my credit history these are fraudulently obtained accounts please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Sincerely XXXX XXXX XXXX I'm not liable for this debt with I do not have a contract with the credit agencies filing this report this was fraudulently obtained by identity theft they did not provide me with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXXXXXX {$310.00} These credit accounts and collections are the results of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I never received the loan so when I tried to apply years later I am told that I am eligible to ever receive a loan for to past loan account. I believe this is why I can't get a loan thru other companies also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I am contesting XXXX accounts on my credit report that I do not recognize and think might be the outcome of identity theft, illegal behavior, or erroneous reporting. The first is a {$2700.00} XXXX XXXX account classified as " potentially negative. '' The second is a {$2200.00} collection account set up by XXXX XXXX XXXX XXXX XXXX XXXX never approved these accounts ; they are not mine. 

I will be sending a report I filed with the Federal Trade Commission ( FTC ), which details this conflict. I am claiming my rights as a victim of possible identity theft under the Fair Credit Reporting Act ( FCRA ), more especially 15 U.S.C. Section 605B. Following receipt of this dispute and my supporting paperwork, I am asking that these accounts be stopped or deleted from my credit file within the required 4-day period.

Furthermore, under 15 U.S.C. 604 the credit reporting companies have obligations to guarantee that just verified and correct information is recorded. I want an instant look at and validation of these accounts. These accounts have to be permanently removed off my credit report if the furnishers of this information neglect to produce official evidence of my authorization or a current assignment of the obligation. 

I want all three credit reporting companiesXXXX, Experian, and XXXX act immediately to get these accounts taken off of my file. I want complete FCRA compliance. Ignoring may lead to legal action to uphold my rights and pursue statutory damages.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently discovered several inaccuracies on my credit report that need immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). Specifically : Multiple accounts, including those with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX, are inaccurately reporting late payments. Per 15 U.S.C. 1681i, I am disputing these inaccuracies and requesting the accounts be updated to reflect a status of paid as agreed/never late. 

The XXXX account is listed without proper validation. Under 15 U.S.C. 1692g ( b ), I have the right to request verification of the debt. I am demanding documentation such as the original signed agreement and proof of authorization to collect. If this validation is not provided, this entry must be removed from my report. 

There are unauthorized hard inquiries from XXXX XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). Per 15 U.S.C. 1681n, these inquiries must be deleted unless evidence of my explicit consent is provided. 

My credit report includes an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. This must be removed immediately under 15 U.S.C. 1681i, as it does not belong to me. 

These inaccuracies not only misrepresent my financial history but also violate my rights under federal law. Credit reporting agencies are required to conduct thorough investigations within 30 days under 15 U.S.C. 1681i. They are also liable for damages if they fail to comply, as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I am requesting a detailed explanation of the procedures used during the investigation, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), along with a corrected copy of my credit report. If these issues are not resolved promptly, I am prepared to escalate the matter by filing complaints with the CFPB and FTC or pursuing legal remedies. 

My goal is to ensure my credit report accurately reflects my financial history, and I expect this matter to be addressed with the urgency and thoroughness it requires. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I I trusted XXXX XXXX  to fix my credit and my credit was never repaired

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-29 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: CA

Complaint narrative:
Hi I was victim of identity theft by car dealer I go fore few dealers one of them I dont know who I think using my ssn to make a lot of hard inquiries I didnt give permission to all this inquiries and I need it to be remove from my report please

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 2024-12-29 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: CA

Complaint narrative:
Hi I was victim of identity theft by car dealer I go fore few dealers one of them I dont know who I think using my ssn to make a lot of hard inquiries I didnt give permission to all this inquiries and I need it to be remove from my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) Dear XXXX, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information. 
The specific item ( XXXX ) in question are : Bank OF America Account XXXX  XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
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 explanation