vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
My credit profile was updated to show a delinquent account was removed from my credit reports including XXXX, XXXX and Equifax. After the delinquent account was removed, the action dropped my credit score significantly. A delinquent account removal should never decrease scores! This action is a positive change but instead is negative. I believe that these reports are false and I request my profiles to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: GA

Complaint narrative:
My credit profile was updated to show a delinquent account was removed from my credit reports including XXXX, Experian and XXXX. After the delinquent account was removed, the action dropped my credit score significantly. A delinquent account removal should never decrease scores! This action is a positive change but instead is negative. I believe that these reports are false and I request my profiles to be properly updated.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding a grave violation of my civil rights and the extreme hardships caused by an ongoing issue with my background check. For the past 14 months, it has been reflected in my records that I am facing potential indictment for a criminal offense. However, to date, there has been no trial, no court proceedings, or any progress on these fabricated charges. 

This false indictment notation has severely hindered my ability to seek and obtain employment, causing undue financial hardship and emotional distress. It is not only a baseless accusation but also a deliberate and cruel way to abuse my rights as a United States XXXX. 

The continued presence of these charges on my background check without any due process violates multiple fundamental civil rights, including : Presumption of Innocence : In the United States, every individual is presumed innocent until proven guilty in a court of law. The false and prolonged indication that I am facing criminal indictment without trial defies this core legal principle. 

Right to a Fair and Speedy Trial : The Sixth Amendment guarantees the right to a fair and speedy trial. The lack of any progress for over a year has deprived me of this right, leaving me in legal limbo without any opportunity to clear my name. 

Due Process : The Fifth and Fourteenth Amendments ensure due process, protecting individuals from arbitrary deprivation of life, liberty, or property. By allowing fabricated charges to persist on my record without any legal proceedings, my right to due process is being blatantly violated. 

Right to Livelihood : The negative impact this false information has had on my employment opportunities constitutes a severe infringement on my right to earn a living. It has effectively prevented me from securing work, causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I sent Navient a very thoroughly completed School Misconduct Application ( see attached below ) with many examples of obvious misconduct. I also included articles about misconduct and bad practices that Navient and the XXXX XXXX had been participating in for years. I also included the effects that these student loans have had on my physical and mental health as well as how it has affected potential job prospects. Despite all of my supporting evidence that I submitted, I was denied without any explanation. 

My application was denied with no explanation, opportunity to appeal or provide more documentation. They just sent a generic letter ( see attached below ) that said, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I reached out to Navient asking them to provide reasons why I was denied and what documents they need from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/year>, I sent a letter requesting proof of debt for an account that had been disputed multiple times. Despite this request, I was contacted by XXXX XXXX XXXX XXXX on XX/XX/year>, and again on XX/XX/year>, regarding a matter for Capital One, XXXX. XXXX XXXX XXXX XXXX is a collection agency, and I visited their website to dispute the account once more. Following these interactions, the company closed out my account ; however, Capital One subsequently updated the status of the account on my credit report, changing it from a collections account to a derogatory account, and claimed that I owe {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
They continue to try and impact my credit negatively and will not be paid for this false balance applied against me. I have proof of identity theft dating back much earlier and they refuse to acknowledge any of my paperwork. XXXX getting phone calls constantly and attempts to extort me are being ignored due to it not being my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
I dispute the charge-off account reported by XXXX on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request verification of this account, including a full accounting of the alleged debt.

Please provide proof that this debt is valid and was handled in compliance with the law. If you can not provide this verification, I demand the immediate removal of this charge-off from my credit report.

Failure to comply will result in further action for reporting inaccurate information under the FCRA.

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 2024-09-14 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: FL

Complaint narrative:
I am writing to demand the removal of inaccurate personal information from my credit report maintained by your bureau. 
I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately. 
I have attached copies of supporting documents that clearly demonstrate the inaccuracies mentioned above, such as government-issued identification card, utility bills, or any other official documents validating my accurate personal information. I kindly request that you delete the inaccurate personal information from my credit report as soon as possible.

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 2024-09-15 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: IL

Complaint narrative:
I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized inquiries. These discrepancies have significantly impacted my financial well-being and credit health.

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 2024-09-14 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: FL

Complaint narrative:
Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number:571200XXXXXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
I had XXXX unauthorized transactions 3 were refunded. XXXX denied and my account closed. My ex roommate was getting on my phone while i slept and spending my money. On XXXX different bank acct. XXXX finally refunded all but one. That Im still fighting them for. I have a text message betweene and the ex roommate. Who I know believe is responsible for all and why he moved out abruptly. I texted him told him he needed to send my money back to me. He replied saying he felt he was entitled to it because his dad never gives him money. His dads live in gf pays me to clean. Thats the money he was stealing from both XXXX and cashapp. XXXX sided with me cashapp is being rude and running me in circles. Nobody there has any information they do not document anything thing you do. Agents cant see your disputes nothing they are useless. The teal making decision emails from an email you cant reply to and your never allows to speak with them. This is absolutely outrageous unprofessional. They have. Your money not theirs. But do not have to communicate with you. How is this legal. They are gon na cause someone to have mental health problems. Handling peoples money this way. All banks need to realize they are nothing without us. They work for us. What would happen if XXXX  decided Im done goin to work paying bills and using banks. Theyd collapse and be nothing. People need to start o take their power back because this isnt right. My ex roommate Ive found had several XXXX acct and I bet he does the same with cashapp. He gets them negative balance then makes a new one I e shown them to both banks cashapp wouldnt accept my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I am writing to request your assistance with a serious issue concerning Equifaxs failure to comply with federal regulations regarding the accuracy and verification of information on my credit report. I have discovered several charge-offs and transactions on my credit report that I believe are inaccurate and have not been properly verified by Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and verify disputed information. Equifax has not provided the necessary verification documents for these charge-offs within the legally mandated timeframe.

Additionally, 15 U.S.C. 1681a ( a ) ( 2 ) states that any report should contain information solely related to transactions and experiences between the consumer and the person making the report. This implies that charge-offs reported by Equifax must be based on verified and documented transactions. However, Equifaxs failure to provide such documentation suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) outlines that a consumer reporting agency may furnish a consumer report only under certain permissible purposes, and only with written authorization from the consumer. I have not authorized any creditor to add negative, inaccurate, or harmful information to my consumer report. 
Moreover, the provisions of 15 U.S.C. 6802 require financial institutions to disclose the potential for sharing personal information and provide an opt-out option. Equifaxs lack of compliance with these requirements further undermines the integrity of the reported information.

The charge-offs in question appear to be in direct violation of these legal requirements. As such, I am entitled to seek damages for this willful non-compliance, as stipulated under 15 U.S.C. 1681n, which allows for a claim of {$1000.00} in damages for each instance of non-compliance. 
I request the CFPBs intervention to ensure that Equifax adheres to these legal standards by removing the inaccurately reported charge-offs from my credit report immediately. Enclosed are copies of my correspondence with Equifax and relevant documentation pertaining to my disputes. 
Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and restoring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately. 
I have attached copies of supporting documents that clearly demonstrate the inaccuracies mentioned above, such as government-issued identification card, utility bills, or any other official documents validating my accurate personal information. I kindly request that you delete the inaccurate personal information from my credit report as soon as possible. 
Please note that the inclusion of such inaccurate information can have a detrimental impact on my creditworthiness and may affect my ability to obtain credit or loan approvals.

Furthermore, I would appreciate your assistance in notifying all third-party entities, including financial institutions, creditors, and any other organizations that may have accessed my credit report, about the removal of these inaccuracies.

This will ensure that they have the most up-to-date and accurate information regarding my personal details. In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a thorough investigation to be conducted within 30 days of receiving this letter.

I also request that you provide me with a written confirmation of the removal of the inaccurate information from my credit report.

I understand that, as per the FCRA, the credit bureau is required to inform me about the results of the investigation and any actions taken to rectify the inaccuracies.

Additionally, I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost diligence and professionalism.

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 2024-09-15 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: GA

Complaint narrative:
This is not a duplicate request nor filed as by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, EQUIFAX a consumer credit agency block information that is 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 personal credit card accounts opened at : XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account NumberXXXX XXXXXXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX XXXX Account Number:XXXX XXXX XXXX  Account NumberXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 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 XXXX I looked at my Experian credit report XX/XX/2024 and noticed some things that are incomplete and not accurate. In accordance ith the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 innacurate,

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