vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: WA

Complaint narrative:
I have submitted ALL information requested by Experian. Yet they are accusing me of this and this is NOT TRUE : XXXX XXXX XXXX, We are responding to your request that information in your personal credit report be blocked due to identity theft. 
Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that you are seeking to block. 
Therefore, we are declining your request to XXXX XXXXXXXX or more of the items of information. If you have additional relevant information that indicates that the disputed item ( XXXX ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( XXXX ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. 

This is a dishonest stall tactic. I have submitted ALL information required by the FCRA and EXPERIAN to BLOCK/DELETE these accounts.

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 2024-10-21 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: MI

Complaint narrative:
T

he 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 account listed without my expressed written consent.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Open an account with this company but when I tried to go make payments I wasn't able to make an account without my account number so I contacted support for my account number and I wasn't able to get a response. I get a bill in the mail which has my account number and make my account I go to make a payment and notice immediately that I have late fees on my account I reached out to them again asking them why and to remove the late fees but they won't respond to me I've been trying to contact them for months I've called I've emailed and I even spoke to someone in HR department wasn't able to get to customer support at all or any responses now I see that the missed payment is on my credit report this company is fraudulently charging me late fees and they have no custom support to help me with the issue it is now affecting my credit score. I would like to demand that they remove the late fee so it comes off my credit report. 

There's a {$29.00} late fee on XXXX 's statement there is also a {$69.00} late fee on XXXX 's statement. I have emails proving that I reached out to TD Bank so I could pay my bill, these emails are dated before the late fees were applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

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 2024-10-21 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

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 2024-10-21 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: CA

Complaint narrative:
Re : Reinsertion Of previously deleted Inaccurate/invalidated items To : Equifax. 

Account : XXXX XXXXXXXXXXXX XXXX late payment is erroneous. 

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( XXXX ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX XXXX  ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( XXXX  ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days and you must delete the item from my file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX EXPERIAN FILE NUMBER : RE : XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX US Dept Of EDXXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of EDXXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX I have attached a copy of my SSN card , Valid IDs , and a copy of my utility bill to prove I am human who has been a XXXX XXXX XXXX, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX or XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Experian. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, 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 2024-10-21 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: Figure Technologies, Inc
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I am disputing the inaccurate late payment reporting on my Capital One account ( account # XXXX and XXXX, both reported on XX/XX/24 and XX/XX/24 ). These late payments are in correctly showing on my credit reports with XXXX, XXXX, and XXXX, despite my timely payments. Under 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Please provide evidence of the late payments or correct the reporting to reflect " on time '' or " paid as agreed '' payments with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX 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 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 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 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX Can you please XXXX any names in your system that do not match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do not match XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The only reside at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove any address you have in your system that does not match XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed 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 explanation
Consumer complaint received 2024-10-21 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 am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address this issue. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am now demanding the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report. 

ACCOUNTS : - XXXX XXXX XXXX - XXXX  XXXX XXXX - XXXX  XXXX XXXX -XXXX  XXXX INQUIRIES : ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) I trust you will handle this matter with the urgency it requires. Please confirm once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This account is fraudulent and I would like this removed from my account asap. this collection is not mines.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

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 2024-10-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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:
When I had viewed my credit report there were hard inquiries that were not mine.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells fargo is not giving me the other {$2000.00} out of the {$6400.00} i lost XX/XX/XXXX to XX/XX/XXXX from fraudulent transactions and carges made with my card, i entered my debit card info on a fake ups website saying that i needed to pay 1 cent for confirmation to see where my package was. There reason has been that i had the physical copy of my card so the charges were made by me or someone who has access to it. On XX/XX/XXXX they sent a letter stating that an error did occur and gave me {$4300.00} and i want the other {$2000.00} they arent giving me from the same fraudulent charges, but None of the statements they keep telling me make sense. All of the charges are wired to the same thing, so why they wont give me the rest of my money dosent make sense, ive called them and they say the same thing everytime, the claim is closed i get letters saying its closed, then open again without any of my input, so i dont know whats going on. I just want the rest of they money i lost from those fraudulent transactions ( {$6400.00} ) One of the many lies on there end was i didnt call in time. I called the same day a few hours after all of those charges were made, they just brush off everything i say, this has been a back and forth for over 5 months i just want it to be done. They sent me {$4300.00} i just want the rest that is owed to me. There reason yet again is that i had my card, but all the charges are the same and they gave me part of the money already so it dosent make sense. On XX/XX/year> they said they completed the claim and gave me {$4300.00} i just want the other {$2000.00}. The bank statements i have provided show everything.

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