vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-01-06 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Verification of Charge-Off and 1099-C for accounts # XXXX in the amount of {$2200.00} Charged off on XX/XX/year> # XXXX in the amount of {$1000.00} charged off on XX/XX/year> # XXXX in the amount of {$2500.00} Charged off on XX/XX/year> Dear Capital One, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the accounts listed above. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question.

2. Details regarding the amount of the charge-off.

3. The date on which the charge-off was officially recorded. 

Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If your company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within 3 business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable time-frame. Thank you for your cooperation in providing the necessary documentation for this verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-06 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: MS

Complaint narrative:
I, XXXX XXXX XXXX , sent a letter off on XX/XX/XXXX. I requested the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FCRA, the term " investigate consumer report '', means that a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other whom I am acquainted or who may have knowledge concerning any such items of information. 

The bureaus stated that my accounts were verified but how is that possible when they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. 

According to the FCRA 15 USC 1681, all information reporting to the credit bureaus must be 100 % accurate. I have the credit report showing the inaccuracies. 

Listed the Accounts : XXXX XXXX  Account # XXXX, XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX Inquiries : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 explanation
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
To whom it may concern, Truist Financial offered a 0 % promo until XX/XX/XXXX, we decided to accept the offer on XX/XX/XXXX. We submitted our request for {$8500.00} having a {$9000.00} limit that allowed for the fees. We were extremely grateful for this offer as we had a major experience and we wanted to float it until tax time. We noticed there was no balance showing up so we reached out to Trusit Customer Service on XX/XX/XXXX. We were informed that they attempted to reach us on XX/XX/XXXX ( we have no phone record of this attempt ) and no email, mail, text, or additional call, and were informed they fraud canceled our transfer. So while on the phone with Truist we went through all the disclosures, promo offer of 0 % APR until XX/XX/XXXX, amounts, etc. During this call, they sent me a text message for security confirmation that it was me on the call. This number was saved in their information, confirming my phone could receive messages from their business and was not a case of their fraud department having the wrong number. We noticed on XX/XX/XXXX we still saw no activity, we called again to Trusit customer service and we were assured our balance transfer was still processing and could take up to 30 days to reflect the activity. I was nervous again as it's XX/XX/XXXX and I still see no activity on either side. We called again today XX/XX/XXXX to be told fraud canceled our transfer again, not a call, text, email or mail warning us again, not that our card was frozen for possible fraud, just canceled. And now the promo offer has expired and they do not seem like they are going to honor it, saying it will be turned over to the Research Department to contact us, but no information on the length of time to even receive a call, let alone how long it could take this department to make any kind of decision. It seems very fraudulent as if they were just waiting long enough for the promotion to expire and we would be charged over 19 % interest.

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 2025-01-06 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: January Technologies, Inc
State: SC

Complaint narrative:
They overdraft my account with XXXX XXXX and said that I didn't pay them when in fact I paid them. It was XXXX  dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Albert Corporation
State: SC

Complaint narrative:
I am writing to bring to your attention an issue I have observed on my XXXX credit report. It appears that ALBERT CORPORATION, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, has been conducting unauthorized multiple soft inquiries on my credit report every month since XX/XX/2023. 

While I understand soft inquiries do not impact my credit score, the frequency and regularity of these inquiries raise concerns.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
Dear Consumer Finianacial Bureau I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : I AM VICTIM OF IDENTITY THEFT DUE TO THE DATA BREACH MY INFORMATION IS BEING USED FOR CREDIT CARDS, CARS, AND LOANS.

Dispute 1 Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX XXXX XXXX Type of disputed information : the amount of {$2300.00} is invalid. The date opened ( XX/XX/XXXX ) is invalid Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false.

o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times and I dont recognize one or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX  Type of disputed information : The date opened is invalid. Sold my information. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times. 
Dispute 3 Account Number or other information to identify account : no acct # Source of dispute information : XXXX Type of disputed information : The date opened is invalid. The amount reporting is invalid Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times. 
Dispute # XXXX Public records I have an arrest showing on my public record. It was in XXXX XXXX XXXX XXXX I have been cleared of any charges and I was not convicted. as per XXXX XXXX courts this should not be reporting on my background or credit. 
Dispute # XXXX there are addresses XXXX years old reporting on my credit that should be removed also the actions taken by these companies included phone calls threatening to come to my house. threatening to garnish my wages. calling blocked and making threats to my life. 
This debt is in violation of 15 U.S.C. 1692e ( 2 ) ( A ), made false threats to take actions that can not legally be taken in violation of 15 U.S.C. 1692e, 1692e ( 5 ), and used false representations and/or deceptive means to collect the debt in violation of 15 U.S.C. 1692e ( 10 )

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Finianacial Bureau I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : I AM VICTIM OF IDENTITY THEFT DUE TO THE DATA BREACH MY INFORMATION IS BEING USED FOR CREDIT CARDS, CARS, AND LOANS. 
Dispute XXXX Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX XXXX XXXX Type of disputed information : the amount of {$2300.00} is invalid. The date opened ( XX/XX/XXXX ) is invalid Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX  Type of disputed information : The date opened is invalid. Sold my information. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times.

Dispute 3 Account Number or other information to identify account : no acct # Source of dispute information : XXXX Type of disputed information : The date opened is invalid. The amount reporting is invalid Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times. 
Dispute # XXXX Public records I have an arrest showing on my public record. It was in XXXX XXXX XXXX XXXXXXXX  I have been cleared of any charges and I was not convicted. as per XXXX XXXX courts this should not be reporting on my background or credit. 
Dispute # XXXX there are addresses XXXX years old reporting on my credit that should be removed also the actions taken by these companies included phone calls threatening to come to my house. threatening to garnish my wages. calling blocked and making threats to my life. 
This debt is in violation of 15 U.S.C. 1692e ( 2 ) ( A ), made false threats to take actions that can not legally be taken in violation of 15 U.S.C. 1692e, 1692e ( 5 ), and used false representations and/or deceptive means to collect the debt in violation of 15 U.S.C. 1692e ( 10 )

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