vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 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: PA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, date open XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date open XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date open XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2024-08-04 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX on my credit reports from XXXX and TransUnion. The discrepancies in the reported information are significant and misrepresent my credit history. I request the immediate removal of this account from my credit reports due to these inaccuracies. Below, I outline the specific discrepancies and the relevant Fair Credit Reporting Act ( FCRA ) provisions that support my claim. 

Discrepancies Identified 1. Date Opened : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX 2. Balance : XXXX : {$7700.00} TransUnion : {$0.00} XXXX. XXXX XXXX XXXX : XXXX : {$1300.00} TransUnion : {$0.00} 4. Last Reported Date : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX 5. Date Last Active : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Last Payment Date : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Issues and Impact The discrepancies in the reporting of the Date Opened, Balance, Past Due Amount, Last Reported Date, Date Last Active, and Last Payment Date indicate significant errors in the information provided by Upgrade. The differences in the past due amount, with XXXX showing {$1300.00} and TransUnion showing {$0.00}, are particularly concerning. These inconsistencies not only misrepresent my financial status but also potentially harm my creditworthiness. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The significant discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.

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 2024-08-04 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: VA

Complaint narrative:
CFPB, The loan I had with XXXX XXXX XXXX I paid less then the full balance because the car I had almost costed me to XXXX XXXX XXXX. When I was driving the car I heard a loud knock in the rear I pulled the car over, got out to look both of the back tires were leaning in, so I had it towed to XXXX XXXX XXXX XXXX in XXXX, XXXX. They called me on the phone and told me it's a good thing I stopped driving it. XXXX XXXX XXXX stated if I would have continued to drive it I would have lost all break function because it was missing Caliber Bolts on the back breaks. paid less than what you actually owed the creditor. It's a negative entry on your credit 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 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 XXXXXX/XX/year>

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 2024-08-04 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:
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

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 2024-08-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NY

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I was on a a cruise and wanted to purchase a few pieces of Diamonds from Diamond International. When I was asked if I wanted to finance the purchase I agreed to finance but only with XXXX XXXX. And only for a 3-year under {$300.00}. When I realize the jewelry didn't fit and that I was fraudulently sold a few pieces of jewelry for way too much money for not the value of the piece that I bought I tried to return it and diamonds International told me that they do not take returns because of remorse. I tried to explain it wasn't remorse that they didn't fit and that I wasn't happy with the cost that I was charged. When I got home from my trip a week later I got information in the mail from XXXX XXXX  card I never agreed to open an account with them there's {$10000.00} on that card I don't agree to that I never signed anything for XXXX XXXX  and now they're just blowing me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This company XXXX XXXX sent me documents for a loan approval. They claimed to be a company that helps clients with bad credit to improve their credit score by sending me checks to my email and having me send it to a XXXX XXXX bitcoin address. I was misled with information, they told me lies. By the third check i was notified that the first two checks bounced and my account is overdrawn by almost XXXX XXXX dollars. My bank account is closed and I do not want this situation to affect my future situation with banks

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX on my credit reports from Equifax and XXXX. The discrepancies in the reported information are significant and misrepresent my credit history. I request the immediate removal of this account from my credit reports due to these inaccuracies. Below, I outline the specific discrepancies and the relevant Fair Credit Reporting Act ( FCRA ) provisions that support my claim. 

Discrepancies Identified XXXX. Date Opened : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Balance : Equifax : {$7700.00} XXXX : {$0.00} XXXX. XXXX XXXX XXXX : Equifax : {$1300.00} XXXX : {$0.00} XXXX. Last Reported Date : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Last Payment Date : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Issues and Impact The discrepancies in the reporting of the Date Opened, Balance, Past Due Amount, Last Reported Date, Date Last Active, and Last Payment Date indicate significant errors in the information provided by Upgrade. The differences in the past due amount, with Equifax showing {$1300.00} and XXXX showing {$0.00}, are particularly concerning. These inconsistencies not only misrepresent my financial status but also potentially harm my creditworthiness. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The significant discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2024-08-04 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX of 2023, scammers got my card and bank login information. They spent over {$2000.00} on my cards, sending money through XXXX, the XXXX XXXX the XXXX XXXX, and my Fifth Third Bank account itself. I have included screenshots of the transactions in this claim. I filed a dispute with Fifth Third Bank and received provisional credits on XX/XX/year> totaling in {$2100.00}. During this time, Fifth Third sent me a letter asking for my confirmation and signature that the charges were fraud. I signed and sent the confirmation back. But then I never heard from the dispute department again. On XX/XX/year>, they reversed the credit and took back {$2000.00}. I felt so upset and defeated over this. I again never heard back when I disputed their finding. ( Then fraud happened on my Fifth Third credit card again recently and that dispute has also been mishandled by Fifth Third. So now I'm reporting every instance in which they've taken advantage of me. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was checking my credit report and looked up my account and noticed under addresses I've lived, one address is not correct. It's an address that I've never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: AL

Complaint narrative:
There were debt on my account that is a sibling that has the similar social security and name as me and is reported by the credit bureau to my credit profile, i have had to get a lawyer in the pass to get this issue resolved. Also my car was broken into and as a result my information was used due to fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I paid a debt for XXXX on XX/XX/year> through XXXX XXXX, another debt collector. I asked Radius global solutions to take it off my credit saying it was paid. They wrote a note in my XXXX account that the account was taken care of and that it was paid for. I've disputed it 4 times with XXXX and they haven't bothered to take it off yet. Please help me. I have proof from 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