vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-09-18 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: FL

Complaint narrative:
I recently checked my credit report and identified several inaccuracies associated with my account. These discrepancies are affecting my ability to obtain credit. I understand that you will look into these matters to confirm their accuracy. 

Please verify the following item : XXXX XXXX account number : 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 2024-09-18 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: FL

Complaint narrative:
I recently checked my credit report and identified several inaccuracies associated with my account. These discrepancies are affecting my ability to obtain credit. I understand that you will look into these matters to confirm their accuracy. 

Please verify the following item : XXXX XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I was a victim of a credit card scam in XXXX, Illinois. I was sitting outside at a cafe when I was approached by a young man who said he was raising money for his brothers funeral, claiming he had been shot in a driveby. He presented me with a clipboard which had previous donors names and amounts, and I wrote in my first name and {$5.00}. He said I could pay with a credit card, presenting me with an XXXX and card reader. I asked to see how much money I was being charged for, and he showed me a screen which said {$5.00} on his cellphone. As I went to tap, he took my card from my hand, tilted the phone out of view, and tapped my card to the card reader. He gave me my card back and walked away. I immediately received the Bank of America notification stating that I had been charged {$2400.00} and a subsequent alert which asked Fraud detected : Was this you? I said no, because the amount was incorrect. Bofa said they were opening a claim, but I immediately called to speak to a representative. 

I told the agent the whole story, and he said the fraud department was investigating and they would call me if they needed more information. In the meantime, I was given a {$2400.00} credit. He also mentioned that there was a chance this dispute would not legally be considered fraud, but might be considered a bank dispute instead, as I was not disputing the transaction itself but the amount of the charge. Since then, I received no updates regarding the open claim, but the Bofa app said the investigators had everything they needed. When I went to pay my most recent credit card bill, I saw I was being charged the {$2400.00}. 

I called the fraud department again to re-open the claim, as I never authorized a {$2400.00} payment. Its clear that the card reader was linked to a different device, as the screen I was shown said {$5.00}. 

On my XXXX statement, the payment was addressed to an individual in XXXX, Indiana. Now that the fraud dispute has been denied, I see another charge for {$2400.00}, with the same reference number and the transaction type is marked as a fee, and the merchant is described as Laundry Cleaning and Garment Services. This transaction occurred on the sidewalk outside of a coffee shop in a city I dont live in. Why would I be paying {$2400.00} in laundry? Either this business is scamming people, and posing a threat to future customers, or a legitimate business has had their card reader stolen.

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 monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient discharged my private student loan XX/XX/year>. I received a discharge letter XX/XX/year> and Navient removed my 19 year old loans as if they never existed instead of reporting them closed and paid. Their action decimated my credit profile by dropping my score XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NV

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( Account Name : XXXX XXXX  XXXX Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Account Name : XXXX XXXX  XXXX Account Number : 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 2024-09-18 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:
I recently checked my credit report and identified several inaccuracies associated with my account. These discrepancies are affecting my ability to obtain credit. I understand that you will look into these matters to confirm their accuracy. 

Please verify the following item : XXXX XXXX account number : 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 2024-09-18 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: NY

Complaint narrative:
A letter was sent on XXXX XXXX to XXXX XXXX CEO XXXX XXXX XXXX in order to notify XXXX XXXX that I formally exercise my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, 12 CFR 1016 ( Regulation P ), and 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to opt out of the disclosure and furnishing of my nonpublic personal and educational information, including my transaction history, to nonaffiliated third parties. 

On XX/XX/XXXX I sent letters to the inform XXXX CEO XXXX XXXX, XXXX CEO XXXX XXXX XXXX and Transunion CFO XXXX XXXX XXXX. All of whom are responsible for signing off on the SEC XXXX form of each of there respective companies and have signed under oath to uphold the integrity of the Securities Exchange act of 1934 have been notified in regards to a formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, and other federal regulations regarding the reporting of certain accounts and inquiries on my credit report. I am yet to see any of the updates be made as per requested.

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 2024-09-18 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: NY

Complaint narrative:
A letter was sent on XXXX XXXX to XXXX XXXX CEO XXXX XXXX XXXX in order to notify XXXX XXXX that I formally exercise my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, 12 CFR 1016 ( Regulation P ), and 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to opt out of the disclosure and furnishing of my nonpublic personal and educational information, including my transaction history, to nonaffiliated third parties. 

On XX/XX/XXXX I sent letters to the inform XXXX CEO XXXX XXXX, Equifax CEO XXXX XXXX XXXX and XXXX CFO XXXX XXXX XXXX. All of whom are responsible for signing off on the SEC XXXX form of each of there respective companies and have signed under oath to uphold the integrity of the Securities Exchange act of 1934 have been notified in regards to a formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, and other federal regulations regarding the reporting of certain accounts and inquiries on my credit report. I am yet to see any of the updates be made as per requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, an appliance repair shop charged us 26 separate times for a total of around {$40000.00}. We have never been to this repair shop and it is in an entirely different state from the state that we live in. We reported this to Chase as soon as we saw it, which was within the 60 days of the statement. While they initially credited us for the charges, they have now rebilled them to us. They have not notified us of this nor have they provided and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit

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 2024-09-18 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: NC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-18 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: MO

Complaint narrative:
This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, Equifax Information Services LLC 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 1.Identity Theft. XXXX XXXX XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2.Validate Account XXXX XXXX XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 3.Identity Theft. XXXX Account XXXX i dont recall having latepayment on this account 4.Identity Theft. XXXX XXXX XXXX Account XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 5.Identity Theft. XXXX XXXX XXXX Account XXXX Please remove it from my credit report. 6.Identity Theft. XXXX XXXX XXXX Account XXXX 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 aformentioned accounts, collections, and or hard inquiries 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 2024-09-18 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: AZ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, this states I have the right to privacy. Under 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish account without written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose. Under 15 USC 1681A titled Definitions Rules of Construction : paragraph 2 titled Exclusions and sub paragraph subsection I, states that transactions are not included in the consumer report. Please update all payments to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
THIS CREDIT COLLECTION COMPANY HAS BEEN WRITING ME LETTERS STATING THAT I OWE THEM MONEY. I NEVER HEARD OF THEM. IN THE AMOUNT OF {$240.00}. 
I NEVER BROUGHT ANYTHING FROM A CREDIT COLLECTION. 
I NEVER ENTER INTO ANY AGREEMENT WITH A CREDIT COLLECTION I DONT OWE THEM ANY MONEY WITH A CREDIT COLLECTION I NEVER SIGN UP WITH A CREDIT COLLECTION I NEVER PURCHASED ANYTHING WITH A CREDIT COLLECTION IF NO PROOF OF VALIDATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX. Bal {$1100.00} XXXX XXXX. Bal {$850.00} Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/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 2024-09-18 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 recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the account from my file. 
XXXX XXXX XXXX Balance {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the account from my file. 
XXXX XXXX XXXX Balance {$1300.00}

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 2024-09-18 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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