vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( XXXX, EXPERIAN, XXXX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance in this urgent matter.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transition has denied a dispute for a credit card that was disputed and got a approved but now this card is in collections and when I dispute it they deny it even though the original one was disputed and was approved

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX a purchase of {$49.00} was made on a Capital One Credit Card in the amount of {$49.00}. Upon learning that the credit builder program doesn't work without the opening of a credit line or checking account, email was sent requesting to cancel service XX/XX/2024. No response was received from the company until over two weeks later on XXXXXXXX XXXX XXXX. No services were rendered, the customer service was not present, nor was correct information about product provided during time of purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: MI

Complaint narrative:
I wrote to the XXXX  bankruptcy court on XX/XX/year> seeking confirmation about the reported bankruptcy, and received a letter dated on XX/XX/year> stating they do NOT furnish any consumer data to LexisNexis or other credit entities. 

I also sent 3 dispute letters to LexisNexis citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankrupcy that is not mine also. I sent notrized affidavits also. 

I also sent PACER a letter documentation of contacting PACER directly inquiring about their records, but received no response. 

LexisNexis responded claiming the information came from PACER, despite PACER 's failure to validate or deny the report to you directly as the natural person creditor.

LexisNexis has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
When i got my direct deposit deposited into my account. I was unable to make a transfer out of the account and my Citi blocked all transactions my account so i couldn't make a transfer. I have been trying to verify and tell them i have been the one making transactions on the account but I was told a reference number was sent to my address. But I'm yet to get any. I have waited for a month and they said they sent it three times. I have not gotten it even once. Now i have decided to close my account and have my check mailed to me since he account can't be useful anymore. 
I was told a letter was sent to my address on XX/XX/year>, XX/XX/year> and i also requested for another one when i called XX/XX/XXXX but i didn't get any letter. I want my account closed and my check delivered 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 2024-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( TRANSUNION, XXXX, XXXX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance in this urgent matter.

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 2024-05-29 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: GA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( XXXX, XXXX, EQUIFAX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution. 

Thank you for your assistance in this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a Meijer, Best Buy and Home Depot Credit Card with Citibank. I have used the paperless billing statements for a number of years. This month the process on the online account is not allowing the downloading of the pdf. This means that the creditor is unable to provide the required periodic statement. The only information available is a down load of transactions. 

I am tired of this since all other credit card companies have a specific process to download a pdf of the periodic statement,

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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted.

- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly.

- The consumer is then notified of the changes made.

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation.

- Detail the steps taken to verify the {$3900.00} debt amount.

- Provide contact details for the furnisher of this debt information.

- Report any updates or corrections made based on the investigation findings.

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified.

They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.

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 2024-05-29 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: MA

Complaint narrative:
To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted.

- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly.

- The consumer is then notified of the changes made.

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation.

- Detail the steps taken to verify the {$3900.00} debt amount.

- Provide contact details for the furnisher of this debt information.

- Report any updates or corrections made based on the investigation findings.

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified.

They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Transition has denied a dispute for a credit card that was disputed and got a approved but now this card is in collections and when I dispute it they deny it even though the original one was disputed and was approved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: MA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Wrong adressses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong 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 2024-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was a victim of identify theft and don't know anything about these accounts.

Company response to consumer: Closed with explanation