vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I wish to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-07 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: FL

Complaint narrative:
There is a report on my credit report from a medical service that does not belong to me from XXXX XXXX XXXX. I do not live anywhere near this facility and have never even visited or been near this facility. This is fraudulent charges and probably idetity theft. This has been on my credit report for months and for months I've been disputing them. This is preventing me from getting a loan. I've been very patient but no one is helping me. They just send me online. Please help me. I need them to correct this information and remove the fraudulent charges and any history of it. I've disputed this on all of the credit reporters. I don't have any documents like Receipts or anything as this is NOT my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i have sent letters and letters to the companies and i havent had no response yet and they are in violation of the FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CO

Complaint narrative:
Credit bureau reported me delinquent for {$400.00} XX/XX/XXXX. XXXX originated with XXXX. XXXX was transferred to Security Credit Services ( SCS ) who turned me in for collection. Contacted SCS XX/XX/XXXX and communicated with XXXX XXXX who eventually sent me the contract which I received XX/XX/XXXX. This was a lease/purchase for an I-phone initiated XX/XX/XXXX. XXXX showed my name, date of birth and social security number. The email address was unknown to me. There was no residence address provided. Recurring payments were taken from my checking account via my debit card from XXXX through XXXX XXXX XXXX XXXX XXXX. Received new debit card for other reasons which halted payment. Informed SCS this was a fraudulent transaction. They removed me from collections pending outcome and suggested I contact XXXX. I reported this fraud to XXXX XXXX XX/XX/XXXX but haven't received a response. I've never used XXXX, I did not make this purchase, and I did not receive any product. Please assist with clearing this debt and, hopefully, recovering the lost funds. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
In XX/XX/23, I began to notice a Capital One credit card showing up on my credit report. The balance grew to about {$1800.00} by the end of XXXX. This is when I initially called Capital One where I was instructed to mail in the complaint and information for a dispute. I never received any confirmation that they received anything. I called again and was told that there is no other way to file the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I recently discovered several inaccurately verified accounts on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX. After conducting some investigation, I determined that these accounts were opened fraudulently without my knowledge or consent, indicating clear instances of identity theft. Despite my efforts to dispute these accounts and provide evidence of fraudulent activity, TransUnion has failed to properly investigate and remove them from my credit report. 

I am deeply concerned by the negligence and lack of due diligence in verifying the accuracy of these accounts by TransUnion. I demand to know the exact methods and procedures used by TransUnion to verify these accounts, as it seems evident that the verification process was flawed and failed to detect the fraudulent nature of the accounts. 

TransUnion must comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and integrity of consumer credit reports. The inclusion of these fraudulently verified accounts on my credit report constitutes a violation of my rights under the FCRA and other relevant consumer protection laws. 

Given the gravity of this situation and the continued reporting of inaccurate information on my credit report, I feel it is necessary to pursue legal action against TransUnion for non-compliance with the law and the mishandling of my credit information. I am prepared to initiate a lawsuit to seek redress for the damages caused by the inaccurate reporting and failure to address the identity theft issues promptly and appropriately. 

I demand that TransUnion takes immediate action and removes these inaccurately verified accounts from my credit report, providing me with a corrected credit report reflecting the removal of such false information. Additionally, I expect a detailed response from TransUnion outlining the verification process for these accounts and a plan of action to rectify the situation. 

I am prepared to take further legal action if necessary to protect my rights and seek justice in this matter. I urge TransUnion to take this matter seriously and address it promptly to avoid further legal consequences.

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 2024-05-07 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-05-07 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: OH

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I reviewed my consumer reports and found inaccuracies on an account that should not be on my report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account Toyota Financial Services XXXX XXXX XXXX Please investigate and provide proof with statements showing I was late. If proof can not be provided I demand that thes payments be updated to on time never late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I opened this HSA through my employer and started having money deposited directly from my paycheck effective XX/XX/XXXX. I have not been able to access my account online at all to manage my money or change my investments, so my money is currently sitting uninvested. I get the same error message on their website saying that their service is temporarily unavailable and that I should contact customer service. I tried speaking with customer service more than 3 times and I have 3 different reference numbers from calls that ended with no resolution. The customer service agents walked me through multiple troubleshooting steps ( clearing cache & cookies, using different device, using different WiFi network, updating XXXX XXXX ID password, using their app, etc. ) and I did them all multiple times with no change in the error message. 

These are the ( approximate ) dates and the reference numbers : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX The last agent that I spoke to on XX/XX/XXXX told me that somebody from the help desk would be reaching out to me with more information but nobody has. At this point I would rather move my money out of Optum to a different HSA but the agent told me that they will not waive the transfer fees, even though I have no access to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-07 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:
As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it's crucial to ensure that consumer reporting agencies uphold their duties with fairness, impartiality, and respect for consumers ' privacy rights. Equifax and XXXX, being consumer reporting agencies, must adhere to these principles. As a consumer, I assert my right to safeguard my private information, as reinforced by 15 USC 6801, which emphasizes financial institutions ' obligation to respect customer privacy.

According to 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with the explicit, written consent of the concerned consumer. Neither the financial institution nor Equifax and XXXX have obtained my consent to share this information, revoking any implied or otherwise assumed consent. Moreover, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this case.

Furthermore, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, which is being violated here. The account name, XXXX XXXX, with the account status of paid and closed, is being reported without my consent, which is against the law. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, Equifax and XXXX are obligated to maintain accurate information and reasonable procedures to prevent violations, which they are failing to do. 

In accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it's crucial to ensure that consumer reporting agencies uphold their duties with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, must adhere to these principles. As a consumer, I assert my right to safeguard my private information, as reinforced by 15 USC 6801, which emphasizes financial institutions ' obligation to respect customer privacy.

According to 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with the explicit, written consent of the concerned consumer. Neither the financial institution nor XXXX and XXXX have obtained my consent to share this information, revoking any implied or otherwise assumed consent. Moreover, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this case.

Furthermore, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, which is being violated here. The account name, AFFIRM INC, with the account status of paid and closed, is being reported without my consent, which is against the law. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are obligated to maintain accurate information and reasonable procedures to prevent violations, which they are failing to do. 

In accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-05-07 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief