vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc.
State: MD

Complaint narrative:
I dont own this company anything and the credit bureau are in violation I will be filein lawsuit in 15 days if not deleted Credit Account Numbers : XXXX and XXXX ) from my credit report. This demand follows XXXX 's repeated failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ), despite numerous disputes and clear evidence of inaccuracies. 
Violations of FCRA : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : - How Violated : Despite my disputes, XXXX responded with " verified as accurate '' without providing documentation of verification. Under the FCRA, XXXX is required to conduct a thorough reinvestigation of any disputed information. 
- Penalty : Up to {$1000.00} per violation for willful non-compliance, plus actual damages. 
2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : - How Violated : Both accounts remain inaccurate, as evidenced by the discrepancies in XXXX 's reports before and after the disputes ( e.g., inconsistent payment history and account status ). - Penalty : Actual damages caused by inaccuracies, plus up to {$1000.00} per willful violation. 
3. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : - How Violated : Unverifiable information must be removed within 30 days of a dispute. My disputes have been unresolved for over six months without corrections or deletions.

- Penalty : Damages, including attorney fees, and costs for negligent violations under 15 U.S.C.

1681o. 
4. Negligent and Willful Non-Compliance ( 15 U.S.C. 1681n and 1681o ) : - How Violated : Repeated failures to correct or delete inaccurate information and refusal to provide proper documentation demonstrate willful negligence. 
- Penalty : {$1000.00} per violation, punitive damages, and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft due to a large data breach of Equifax. My information was obtained and used online to create multiple fraudulent accounts in my name. I have continuously tried to contact the original creditor, the collections companies, and the XXXX major credit bureaus. I have filed an identity theft report with the Federal Trade Commission which has been sent out to the companies above. There are XXXX fraudulent accounts on my report and numerous errors throughout the report including my name and addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Progressive XXXX, Account name : 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, has violated my rights. 

I looked at my Experian 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 ( XXXX ) 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report from Equifax, I have discovered fraudulent records on it, fraudulent information is being actively reported on it. I request the dispute and removal of these fraudulent credit accounts and hard inquiries. Accounts : XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX with the account number XXXX. Hard Inquiries : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK
State: CA

Complaint narrative:
My XXXX XXXX XXXX opened a credit card with Discover for herself. Discover without my permission used my social security number and added me to her account as an authorized user. I just found out after reviewing my credit report that I was added. 
My daughter did not want to add me or didnt even want me finding out about her new card she made without my knowledge. She doesnt even know my SS #. They used my information from a secure card I made for my daughter years ago. That account I closed a couple of months ago because I felt my daughter was abusing the card and I didnt want to be responsible for her card use anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXX/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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On [ date ] around XXXX XXXX, I visited my local Bank of America branch to confirm a large wire transfer could be processed smoothly. The branch manager assured me there would be no complications. I first sent a {$5000.00} test wire, which required a phone identity verification call, but ultimately succeeded. At about XXXX XXXX, I initiated a {$90000.00} wire to the same brokerage account. Fifteen minutes later, the banks wire transfer division called me again. During this call, the employee behaved unprofessionally by threatening to terminate the call and place a hold on my account if I continued expressing urgency or using strong language ( not directed at the employee personally ). Despite my repeated explanations that the wire was time-sensitive for a trading opportunity, the employee ended the call and locked my online banking access. 
As a result, the {$90000.00} wire did not reach my brokerage account before the market closed, causing me to miss a significant investment opportunity. I had informed both the branch staff and the employee on the phone that any delay would lead to substantial financial losses. Eventually, after multiple calls and escalations to a corporate representative, my account was unlocked, but it was too late to complete the transaction in time. This avoidable delay and the employees unprofessional conduct resulted in missed market gains and caused me substantial financial harm.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Around XX/XX/XXXX I requested in person at Bank of America ( herein BOA ) that they close a credit card account I had with them for XXXX  years in good standing due to their not notifying me of a past due bill because of issues with their paperless billing system not notifying me to pay via email or app as they stated I would be. I contend this was intentional but, can not prove it. I was advised in person at the branch by a XXXX ( at BOA ) that the account was closed. XXXX months later I was notified they allowed an XXXX product charge ( less than {$25.00} ) to go onto the account that I was told was closed which had appeared as a XXXX  day charge off that resulted in my credit rating going from XXXX to XXXX ( approximately ). This occurred in XXXX of XXXX. After contacting BOA customer service multiple times and being lied to by many representatives I finally got an employee to fill out paperwork to correct the issue with XXXX. At this time, over a year later, BOA has still not corrected this issue with XXXX and XXXX. I need this corrected as it is my understanding that all the credit reporting agencies pull from each other but, perhaps that is not correct. This is also why I requested a copy of XXXX documents to correct the issue with XXXX but, they refused. Please help. 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Heres the updated dispute letter addressed to Equifax with todays date : 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 Subject : Formal Demand for Removal of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute the unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ). Below are the disputed inquiries : 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 [ REDACTED ] Violations of the FCRA Under 15 U.S.C. 1681b ( c ), credit inquiries are permissible only with explicit authorization or for certain legitimate purposes. I have neither applied for credit nor granted authorization to the entities above, which makes their presence on my credit report a violation of : 15 U.S.C. 1681b ( f ) : Obtaining a credit report under false pretenses.

15 U.S.C. 1681i ( a ) : Failing to conduct a proper investigation of disputed items. 


The failure to verify these inquiries or provide proper documentation confirming permissible purpose undermines the integrity of your investigation process. 

Legal Obligations and Remedy I am including a detailed statement confirming I did not authorize the inquiries. 

Your investigation must comply with 15 U.S.C. 1681i, including notifying the furnishers and obtaining documentation proving permissible purpose. Should you fail to remove the inquiries, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under 15 U.S.C. 1681n for willful noncompliance.

Formal Demand for Action I demand the immediate deletion of the unauthorized inquiries from my credit report. Failure to act within the mandated XXXX period will result in formal complaints and possible litigation. 

This letter serves as notice under California XXXX XXXX XXXX ( a ) that you are reporting inaccurate information. Continued reporting of these inquiries as verified constitutes defamation of character and willful negligence. 

I expect written confirmation of the results of your investigation, including the documentation relied upon for verification. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX : XXXX Date of Birth : XX/XX/XXXX Enclosures : Copy of ID and Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally complain about Equifax 's failure to adequately address and report fraudulent activity on my credit report, which constitutes a clear case of identity theft. 

Despite submitting the necessary documentation, Equifax has not taken appropriate action to block these fraudulent items on my credit report, leaving me vulnerable to further identity theft attempts. This inaction on your part is not only concerning but also violates the mandates proper handling of identity theft cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED 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