vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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 nor 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 2025-01-11 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: CA

Complaint narrative:
I have found fraudulent inquiry on my credit report 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 2025-01-11 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: CA

Complaint narrative:
I have found fraudulent inquiry on my credit report 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 2025-01-12 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: NJ

Complaint narrative:
Experian along with other collection agencies ( XXXX, XXXX, etc. ) are engaged in unlawful debt reporting and libelous practices which created an adverse action to my ability to maintain a good reputation and attain credit and/or finances by unlawfully failing to properly investigate consumer disputes. Experian does not take sufficient steps to intake, process, investigate, and notify about consumer disputes, resulting in the inclusion of incorrect information on my credit reports. Inaccurate or false information on consumer reports are threatening my access to credit, employment, and housing. 

When I dispute errors on my credit reports, Experian conducts sham investigations rather than properly reviewing the disputes as required by federal law which errors are currently having serious consequences on my familys finances.

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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I was trying to access my checking account on my mobile app. It kept saying that I don't have a account. I found that strange because I just checked it a day before. So I called them to let them know what was going on and they said that my account is closed, now mind you no one had contacted me about this matter. So I asked why did you close my account I've been with you guys for over 9 years, they said the check you deposited was fraudulent, what I was dumb found it because the check I deposited was a settlement check I got from getting hurt on my job on XX/XX/XXXX. But they wasn't trying to hear that. They said we will be closing your account and you can never bank with this firm again. I cried because I needed that money to pay my bills, at this moment I'm not working because I XXXXXXXX XXXX XXXX  so this money was to help me out until I go back to work. So now I don't know what to do I just think they were cold and very heartless.

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 2025-01-12 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: NC

Complaint narrative:
I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account XXXX XXXX XXXX XXXX. to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report 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 2025-01-11 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: MD

Complaint narrative:
I recently viewed my credit report and have seen multiple inaccuracies and unauthorized accounts. These inaccuracies and unauthorizations are impacting my life in an extremely detrimental way as well as my credit health.

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I WAS NOTIFY THAT MY PERSONAL INFO WAS IN A DATA BREACH AN MY INFO WAS SOLD ON THE BLACK WEB THE COMPANY : LVNV FUNDING LLC reported XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had disputed an account on my credit file to your company as well as the 3 major credit bureaus. I can submit file numbers upon request. All of the information was submitted by mail for the first time on or about XX/XX/XXXX via certified mail as well as several subsequent mailings to XXXX, XXXX, Equifax and XXXX. An investigation was done and I was notified by every agency except for Equifax that the file was removed from my report permanently. I had called Equifax several times and had been given verbal confirmation that this file was removed after the 30 day waiting period when the merchant/account in question did not respond to Equifax 's requests. Since late XXXX this file has not been listed on any of the 3 bureaus listed, however XX/XX/year> I was denied credit due to Equifax reporting this account on my file. The agent for Equifax stated " it just recently started reporting again '' and " there was nothing they could do about it '' Equifax also stated that they have NEVER received any documentation from me regarding this account and that their system only goes back 90 days! This statement is inaccurate as all bureaus received several letters, court filings etc regarding this account via certified mail. I will be taking legal action against Equifax for violations of the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me This negative item shouldnt be 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me This negative item shouldnt be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me This negative item shouldnt be 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 2025-01-11 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit Acceptance- I did not take out this loan, someone used my personal information and obtained my info. The company where loan was issued from closed down due to unprofessional practices, Intried reaching out to several companies, and no one is willing to help me get this remove or review

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 2025-01-12 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: GA

Complaint narrative:
Subject : Follow-Up on Dispute Submitted XX/XX/year> Request for Immediate Action To Whom It May Concern, I am writing to follow up on a dispute I submitted regarding an XXXX XXXX XXXX account on my credit report. The dispute was submitted on XX/XX/year>, and as of today, I have not received any update or resolution regarding this matter. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and provide a response within 30 days of submission. It has now been more than 30 days since my original dispute, and I am concerned about the delay in addressing this issue. 

I am requesting immediate action to complete the investigation and remove the XXXX XXXX collection account from my credit file. This account is inaccurate and should no longer appear on my report. Please provide me with a written response and confirmation of your investigation results detailing the investigation and proof of the deletion as soon as possible. 

I appreciate your prompt attention to this matter and expect a resolution without further delay. 


Thank you for your time and assistance.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX Subject : Dispute and Demand for Reinvestigation of Items on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of certain items reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you reinvestigate the following items and provide prompt verification of their accuracy or remove them from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 15 days of receipt of this notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of the disputed information, you must delete the information promptly.

Legal Precedents and Statute of Limitations It is critical to note that inaccurate or unverifiable information may not remain on my credit file. Furthermore, you must consider the applicable statutes of limitations governing the reporting of negative information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reaffirms the requirement for credit reporting agencies to ensure the accuracy of information and to remove any unverifiable data promptly. 
XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision highlights the obligation to conduct a thorough reinvestigation, underscoring that failure to comply with 15 U.S.C. 1681i constitutes willful noncompliance, with statutory damages applicable. 
The urgency of this matter can not be overstated. The continued presence of inaccurate or unverifiable information on my credit report directly harms my financial standing and ability to secure credit. Delayed or incomplete action on your part would not only violate federal law but may also subject your organization to legal action and liability for damages under 15 U.S.C. 1681n and 1681o.

15 U.S.C. 1681i ( 7 ) Additionally, I remind you of its obligation under 15 U.S.C. 1681i ( a ) ( 7 ) to provide a clear and complete description of the reinvestigation process. Please include a detailed summary of the procedures used to verify the disputed items, as required by law. 
Documentation To assist in your investigation, I have enclosed the following : A copy of my government-issued ID and proof of address Request for Resolution I expect a response within 15 days of receipt of this letter. Failure to comply with your obligations under the FCRA will leave me no choice but to seek legal remedies to protect my rights. Please notify me in writing of the results of your investigation and any actions taken or delete these items promptly. 
Thank you for your immediate attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
Upon Reviewing my consumer report, I notice an account that is not mines. The account is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Hello, I am writing a complaint regarding my bank of america credit card. I was approved for bank of america credit card and last time I called to order a replacement card, but they told me my account was closed. They could explain me the specific reason to close the account. I disagree with their decision and ask you to help me reopen my card and send me a replacement physical card. I don't see any legitimate reason to close my card. I am completely disappointed by the way they treated me. Please help me with this issue. Thank you in advance.

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 2025-01-11 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing to dispute the inaccurate reporting of a collection account listed on my credit file under the name Portfolio After reviewing my credit report, I have identified discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: IL

Complaint narrative:
I was notified that my personal info was in a data breach an my personal info was sold on the black web so I look at my credit report an seen some inaccurate collection on my credit report THE COMPANY : 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 2025-01-12 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: TX

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find the attached copy of my ID, The FTC Complaint, a copy of my XXXX Report showing my information exposed in a national data breach and a Validation of Debt Letter.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of them is showing as negative on my credit report which is incorrect.

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 2025-01-11 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: NY

Complaint narrative:
I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of them is showing as negative on my credit report which is incorrect.

Company response to consumer: Closed with non-monetary relief