vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
My credit report contains many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have documented all of the dispute letters I have sent your company since XX/XX/year>, and can prove your negligence and statutory damages in court. These accounts listed on my letter are not 100 % correct and I demand them to be removed from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: IL

Complaint narrative:
I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have maintained a steady payment history, so these recent late payments appear to be an error.

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 2024-08-28 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: CT

Complaint narrative:
My payment history has always been consistent, so these late payments seem out of place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiry in question is as follows : CAPITAL ONE - XX/XX/2023Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize this inquiry, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate address reported, Inaccurate names reported. Continuous validation of debt requested to include original debt owed, contract agreement, verification of identity on file, interest attached to debt, contractual agreement signatures by me. Proof of copy of Identification due to Identity theft, Inaccurate reporting with co loan without my consent. I requested these thing be mailed to me and upon Debt validation several times and advised I would discuss the debt being reported and possible resolution. They could not mail me anything for debt validation because they have no accurate new information on file. Please see your notice Last Mailed Certified XX/XX/2023 Todays date - Friday, XX/XX/XXXX, XXXX No response. Please remove from XXXX, TransUnion, and XXXX. The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it. This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to o It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt.

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Sunrise Credit Services , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/year>, I have not received any documentary evidence such as a trilateral contract giving Sunrise Credit Services , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Sunrise Credit Services , Inc . If Sunrise Credit Services , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Sunrise Credit Services , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise Credit Services , Inc continues its collection efforts, I will file for litigation for actual damages caused and Sunrise Credit Services , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, debt parking, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disappointed because this has been another attempt in asking your company to please remove these negative accounts. XXXX of XXXX, I sent a letter in hopes of having these accounts removed from my account. Nothing has been done or been paid attention to. Please re-investigate these accounts and check whether or not they are accurately reporting from my file.

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 2024-08-28 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:
Two seperate letters were sent to XXXX, Equifax, & XXXX by certified mail. 
Most recent date being XX/XX/year>. 
These letters I sent were requesting proof this account had been verified or deleted because I have not contracted with XXXX XXXX. I have not received proof of verification of debt by any Credit Bureau or company. 

I reached out to XXXX XXXX by phone & they would not provide me with any info to the validity of the alleged debt or chargeoff unless I paid them XXXX which is extortion. 

I would like for this account to be removed as many of the consumer rights have been violated by XXXX XXXX & all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
Two seperate letters were sent to XXXX, XXXX, & Experian by certified mail. 
Most recent date being XX/XX/24. 
These letters I sent were requesting proof this account had been verified or deleted because I have not contracted with XXXX XXXX. I have not received proof of verification of debt by any Credit Bureau or company. 

I reached out to XXXX XXXX by phone & they would not provide me with any info to the validity of the alleged debt or chargeoff unless I paid them XXXX which is extortion. 

I would like for this account to be removed as many of the consumer rights have been violated by XXXX XXXX & all three credit bureaus.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX  ( account number : XXXX Below are the specific issues I have identified : 1. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, Experian, and XXXX ). * Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 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 2024-08-28 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:
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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Subject : Formal Complaint Regarding Business Banking Application Decline and XXXX Report Due to Identity Theft Dear Capital One Business Banking Partners, I am writing to formally express my concern regarding the decline of my recent application for a business banking account with Capital One. Upon applying, I was informed that my application was declined due to information obtained from XXXX, a consumer reporting agency. 

After conducting thorough research, I understand that XXXX reports on bank accounts, credit accounts, and similar financial matters. Unfortunately, I have been the victim of identity theft, a situation that began in 2020. This identity theft led to the mismanagement of an account under my name, resulting in negative reporting, which may now be affecting my ability to open a business banking account. 

I have consulted with multiple attorneys and legal professionals who have advised me to contact the involved banks to address this matter. They emphasized that allowing these inaccuracies to persist is detrimental to my financial well-being. Therefore, I am reaching out to request your assistance in resolving this situation. 

I respectfully ask that you review my case and work with me to rectify the issues related to the identity theft that has affected my financial records. My goal is to have this matter resolved so that I can proceed with my business banking needs and restore my ability to apply for credit and bank accounts in my own name. 

Please let me know what steps need to be taken to resolve this issue and ensure that my records are corrected. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
this creditor place this on my account without first giving me the opportunity to challenge the debt, what did you do to ensure that this account was accurate, where are the documents that you use to validate the accuracy?

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 2024-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: ID

Complaint narrative:
US BANK ASSUMED THE MANAGEMENT OF MY RETIREMENT ACCOUNTS AND DID NOT ALLOW ME TO PROVIDE THE DIRECTION AS TO HOW MUCH MONEY WAS TO BE WITHDRAWN EACH YEAR. I WAS SUPPOSED TO BE ABLE TO SIGN A DISTRIBUTION DIRECTIVE ANNUALLY AND I WAS NOT ALLOWED TO BY US BANK. WHO MADE THESE DECISIONS AS TO HOW MUCH MONEY WAS TO BE DISTRIBUTED EACH YEAR? I HAVE REQUESTED THIS INFORMATION FOR OVER 3 YEARS AND IT HAS NOT BEEN PROVIDED. 

IN XXXX, MY ACCOUNT WAS CLOSED BY US BANK WITHOUT NOTICE AND I SUBMITTED A COMPLAINT TO US BANK. XXXX XXXX FROM US BANK RESPONDED AND HAS MY ACCOUNT REINSTATED WITH THE PREVIOUS BALANCE. 

IN XXXX, I TRIED TO MAKE A DEPOSIT TO MY ACCOUNT AND WAS TOLD THE ACCOUNT HAD BEEN CLOSED AGAIN. WHY WAS IT CLOSED AND WHERE DID THE FUNDS GO? 

I CALLED US BANK AND WAS TOLD THE ACCOUNT HAD BEEN CLOSED AND THAT I WAS NOTIFIED BY LETTER ON TWO DIFFERENT DATES IN XXXX BUT I NEVER RECEIVED ANY NOTICES NOR HAVE THEY BEEN PROVIDED.

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 2024-08-28 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: CA

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX  score. 
Below are the details of the accounts in question : XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  XXXX2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear Sir/ Madam, According to the " Fair Debt Collection Act '' ( 15 USC 1692 et seq ) provide verification of the debt, as being true, correct and authentic, sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of judgement, sworn by WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar day of receipt of notice. 

XXXX XXXX ( Debt Collector ) did not provide the sworn by oath or affirmation with WET-INK SIGNATURE SIGNED under penalty of perjury, or provide a copy of judgement, sworn by WET-INK SIGNATURE SIGNED under penalty of perjury that the foregoing is true and accurate copy of the original record with the appropriate public and government offices against claimant with twenty-one ( 21 ) calendar day of receipt of notice. But rather a Letter to cease and desist, attachment 3.

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 2024-08-28 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: Synovus Bank
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, [ Account Name & Account Number ] has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Self Financial Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, [ Account Name & Account Number ] has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation