vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is furnishing and reporting negative, inaccurate and fraudulent information to my rental history reports. This company is reporting negative information on my report in reference to properties that I have never lived in nor been associated with. They are reporting negative information with incorrect names, dates of birth and inaccurate social security numbers on my rental history reports. These errors have caused me to be wrongly denied for rental applications. This company should remove all negative accounts from my rental reports immediately.

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 2024-11-16 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : AHM. Account # : XXXX XXXX. Account # : XXXX XXXX XXXXXX/XX/year> XXXX  XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I called them twice 3 weeks ago to request an account closing, but it is still open now and they just sent me a statement. 
The account balance is 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc.
State: FL

Complaint narrative:
This company is furnishing and reporting negative, inaccurate and fraudulent information to my rental history reports. This company is reporting negative information on my report in reference to properties that I have never lived in nor been associated with. They are reporting negative information with incorrect names, dates of birth and inaccurate social security numbers on my rental history reports. These errors have caused me to be wrongly denied for rental applications. This company should remove all negative accounts from my rental reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NH

Complaint narrative:
This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX  Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$1000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$4500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3000.00}, Date Opened : XX/XX/XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I signed up for a free trial membership at Experian. The problem is it won't let me cancel membership. Matter of fact it's almost impossible. Once I got notification that my card was being charged I logged on to the website to cancel membership but once logged in there is no option to cancel membership nor will it move to another screen. It's just a screen that has options to change payment type. That's it, no option to view account info or anything for that matter. It's very unfair and deceptive. I even called the customer service number and was connected to an automotive system and I followed the prompts but it was never clear to me whether or not my membership was cancelled or not.

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 2024-11-16 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: EQUIFAX, INC.

Complaint narrative:
he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX violated my rights on my behalf and XXXX XXXX please remove this from my credit report I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2024-11-16 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: SC

Complaint narrative:
I have made multiple attempts to resolve discrepancies on my credit report by submitting certified letters and making numerous calls to TransUnion. Despite my efforts, they have repeatedly refused to reinvestigate certain items, citing that it is against the Fair Credit Reporting Act ( FCRA ) to re-investigate an issue that has already been previously disputed. 

I believe this is a misinterpretation of the FCRA, which requires credit reporting agencies like TransUnion to ensure that all information on credit reports is accurate and up-to-date. The FCRA mandates that if new information or evidence is provided, the credit reporting agency is obligated to investigate and correct any errors, regardless of whether the item was previously disputed. 

TransUnion 's refusal to reconsider my dispute appears to be a violation of my rights under the FCRA. I have provided sufficient documentation supporting my claim, yet they are standing firm on their decision, stating that re-investigation of previously disputed items is not required under the law. This stance is leaving me with unresolved errors on my credit report, and I feel that my right to have accurate information reflected is being denied.

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 2024-11-16 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: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( s ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ).

The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( s ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA.

Under FCRA Section 611, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved.

The credit bureau ( s ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account.

My Requests : 1. Immediate Deletion : - I am requesting that the credit bureau ( s ) immediately delete this account as it is fraudulent. If it can not be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed.

2. Investigation : - I demand the credit bureau ( s ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account.

- The ID used to open this account and proof it matches my information.

- Full chain of custody of the account and records of all transfers.

- Proof of legal authority and licensing of the debt collector/creditor to collect this debt.

3. Compliance with the Law : - The credit bureau ( s ) must comply with FCRA Section 611 by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action.

This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me.

I have attached all relevant documentation, including my correspondence with the credit bureau ( s ) and copies of my credit report reflecting this account.

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you

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 2024-11-16 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: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file.

Despite my efforts to address this directly with the credit bureau ( s ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ).

The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( s ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA.

Under FCRA Section 611, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved.

The credit bureau ( s ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account.

My Requests : 1. Immediate Deletion : - I am requesting that the credit bureau ( s ) immediately delete this account as it is fraudulent. If it can not be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed.

2. Investigation : - I demand the credit bureau ( s ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account.

- The ID used to open this account and proof it matches my information.

- Full chain of custody of the account and records of all transfers.

- Proof of legal authority and licensing of the debt collector/creditor to collect this debt.

3. Compliance with the Law : - The credit bureau ( s ) must comply with FCRA Section 611 by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action.

This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me.

I have attached all relevant documentation, including my correspondence with the credit bureau ( s ) and copies of my credit report reflecting this account. 
Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by Credence Resource management I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XX/XX/XXXX by XXXX XXXX XXXX In XX/XX/XXXX, I noticed an unauthorized inquiry on my XXXX credit report, inquiry dated XXXX by XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$710.00}

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 non-monetary relief
Consumer complaint received 2024-11-16 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: Maple Finance Company
State: NJ

Complaint narrative:
On XX/XX/year>, I visited a car dealership to purchase a vehicle. The owner of the dealership requested my personal information, which I provided. However, I asked repeatedly if the inquiry process would be a soft inquiry, and he assured me that it would be. 

After submitting my information, I received a notification indicating that the inquiry was a hard inquiry. I immediately filed a complaint with them, but they responded saying it was not a hard inquiry and implied that I didnt understand the process, stating that they make these types of inquiries every day. 

I insisted on confirmation that it was truly a soft pull, but they continued to insist it was not a hard inquiry. The discussion took place inside the dealership, and I would like to point out that there are several cameras that recorded the incident. I believe it is very unfair that they conducted this inquiry without my consent, which has negatively impacted my credit score without providing me with accurate information or giving me the opportunity to make an informed decision. 

I request that this situation be reviewed and that the necessary steps be taken to correct any errors related to my credit score due to this unauthorized inquiry.

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 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am writing to request validation of the alleged debt referenced above, which appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, I am entitled to request verification and validation of this debt. This letter serves as a formal request for the following information : Proof that you own or have been assigned this debt : Please provide a copy of the signed agreement that indicates that you have the right to collect this debt, including documentation showing that the debt was legally transferred to your agency.

Detailed accounting of the amount claimed : I request a complete breakdown of the alleged debt, including the principal amount, interest, fees, and any other charges. 

Proof that the debt is mine : Please provide documentation bearing my signature that proves I have a contractual obligation to pay the claimed amount. 

Details of the original creditor : Include the name, address, and phone number of the original creditor and any other parties to whom the debt has been transferred. 

Details of how the amount was calculated : Please explain how the amount you claim I owe has been determined and provide supporting evidence. 

Please note that if you can not validate this debt within 30 days of receiving this letter, you are required by law to cease collection efforts and remove this account from my credit report. 

Additionally, please be advised that I will record all future communications. If this debt can not be validated, I expect any and all references to this debt to be removed from my credit report immediately. 

Thank you for your cooperation. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation