vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
These late payments dont accurately reflect my consistent payment history. Please remove them and update my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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:
On XX/XX/XXXX, Upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$2000.00}. 
As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I disputed an address and phone number on my Experian Report. The dispute was specifically in regards to the XXXX  number as there were more than one listed on the report. The street address was correct. 

Within 3 hours of filing the dispute, I received an alerts saying we have an update on your dispute. Then again at XXXX XXXX the following day, the dispute was updated. 

However, my current address was completely removed. 
instead of removing the wrong XXXX XXXX. The address was completely removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The company has engaged a collections agency to recover the debt but has consistently refused to provide evidence verifying that the debt is mine. Despite multiple attempts to resolve this issue through both phone and email communication, I have received no response. If the company is unable to furnish proof of the debt 's validity, I request that the debt be removed from my consumer report. Their ongoing refusal to provide information regarding the status of the debt is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
XX/XX/XXXX, I called to make arrangements to pay loan ( s ), because I would be able to pay on due date on XX/XX/XXXX. I was told I could not make arrangements. Account was sent to a debt collector XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I received a summons from XXXX XXXX XXXX, informing that I was scheduled to appear in court on XX/XX/year> at XXXX to answer to debt that is owed to their company XXXXXXXX XXXX XXXX XXXX debt Collections Innovations for {$2300.00}. I met with XXXX XXXX regarding the alleged amount owed to the company. She refused to provide a copy of original credit agreement allegedly signed by me and the purchase agreement given her and her employers the right to collect on said XXXX XXXX XXXX reply is we do not have to provide that information to you. Are you ready to pay the debt now. I stated no I can not afford to pay a debt. I need the requested verification of purchase agreement and copy of the original credit agreement. XXXX XXXX denied request again and stated that she was resetting my court date for XX/XX/year> at XXXX and letter of reset date received via mail at my legal residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was looking at my credit when I noticed a XXXX XXXXXXXX credit card opened XXXXXXXX XXXX XXXX on if and I have never owned this Credit Card. I am a victim of Identity Theft and this has resulted in harm to my credit and has made it hard for me to apply for my own credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, please carefully read my complaint. I can't help but notice an inquiry on my credit report which I do not recognize nor applied for. This company accessed my credit report without my prior authorization, I did not consent nor they asked for it which is very alarming and stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: GA

Complaint narrative:
I reached out to Klarna Inc to refund my money from an unauthorized transactions. The transaction occurred over six months for a total of {$3000.00}. Which were XXXX each. I was told two days ago that a representative would contact me to provide my bank claim information. I haven't received a call or email from the company about this compliant. Can someone please reach out to me so we can resolve this matter and get my funds returned back to my bank account. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: MS

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: MS

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, please carefully read my complaint. I can't help but notice the inquiries on my credit report which I do not recognize nor applied for. These companies accessed my credit report without my prior authorization, I did not consent nor they asked for it which is very alarming and stressing me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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:
Hello, please carefully read my complaint. I can't help but notice an inquiry on my credit report which I do not recognize nor applied for. This company accessed my credit report without my prior authorization, I did not consent nor they asked for it which is very alarming and stressing me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of Identity theft and I have sent evidence along with police report to the credit reporting agency to investigate and provide evidence of validation. 
Credit Reporting agency failed to comply with request and my right under the Fair Credit Reporting Act public law 91-506. title vi, section 611, subsection a-d, where they are required to provide tangible evidence of the information verified within timeframe and failed to do so. Under this act, the credit reporting agency must eliminate any associated information disputed if they do not provide validation evidence by required time. Reporting Agency failed to provide me with evidence to support that the inquiries were " factual " within timeframe and I did not receive requested evidence from either the companies or credit reporting agency regarding the dispute. Credit Information is still inaccurate despite advising of unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint because Capital One has refused to remove a charged-off credit card account from my credit report, which is the result of identity theft. I did not open or authorize this account, and the charges associated with it are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I provided Capital One with an Identity Theft Affidavit and can provide any other supporting documentation to demonstrate that this account is fraudulent. Despite fulfilling my obligations under the FCRA to report this identity theft, Capital One continues to validate and report the fraudulent account as a valid debt, severely impacting my credit score and financial standing. I have repeatedly requested that Capital One provide documentation or an explanation regarding how they have validated this debt in light of the identity theft evidence I have provided. To date, they have not complied with these requests. I am seeking the immediate removal of this account from my credit report in accordance with FCRA provisions and request that Capital One provide all documents they have used to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-08-13 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: Solar Mosaic LLC
State: VA

Complaint narrative:
A loan account in the amount of {$74000.00} has been opened and showing up in my credit report which I have no knowledge of. The responsibility on that account is stated as " XXXXXXXX XXXX XXXXXXXX XXXX '' which I have never heard of or talked to. The account has an address ( XXXX XXXX XXXX, XXXX, TX XXXX ) in Texas which is a state I have never visited. 
Name of the company is Solar Mosaic. My call to them proved they did not have my name, social security number, address and other personal information in their database. 
I am disputing this account and need it removed from my credit report which has really affected my credit. 

Dispute report filed with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: GA

Complaint narrative:
Several fraudulent charged off accounts are being reported on my credit report with a past due balances. Fraudulent accounts can not be reported with past due balances. I have reported these fraudulent items to the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted several complaints to this company over the last few weeks through the CFPB. Since then I have not been able to access my credit to keep track of what is being reported. I have contacted them in regards to this but they are refusing to assist me. They are telling me that they cant find any of the documents that I uploaded to them through there online portal as well as the documents that I sent through the CFPB. I just uploaded the proper documentation on XX/XX/2024 for a dispute which they still have in investigation. This company continues to violate my rights over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation