vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: Kikoff Inc.
State: OH

Complaint narrative:
This letter serves as a formal demand to XXXX for the immediate removal of the inaccurate and fraudulent Kikoff Lending account, Account No : XXXX, from my XXXX credit report. The account is being reported inaccurately with late payments for XX/XX/year> and XX/XX/year>, which violates FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This section clearly states that a consumer report does not include any report containing information solely regarding payment history or utilization between the individual and the company making the report. Therefore, the reporting of these late payments is not only unlawful but constitutes a direct violation of federal law.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that XXXX block this fraudulent information within 4 business days as required by law. The reporting of this account and its associated derogatory remarks is both fraudulent and harmful to my credit.

Under FCRA 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The information being reported by XXXX is inaccurate and unverifiable, violating FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that inaccurate or unverifiable information must be corrected or deleted within 30 days. Given the seriousness of this issue, I demand the immediate removal of this account within 14 days of receiving this letter. 

Noncompliance with this request will be considered a willful violation of FCRA 1681n, entitling me to statutory and punitive damages. If this issue is not resolved promptly, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Please provide written confirmation that this account and its associated derogatory remarks have been permanently removed from my XXXX credit report within 14 days of receipt of this letter. 

These letters are now clear about which bureau they are directed to ( XXXX or XXXX ) and are stronger in tone. When sent to the CFPB, they will clearly indicate which letter corresponds to which bureau. 

Please remove the inaccurate late payments for XXXX and XX/XX/year> for account XXXX from my credit report & stop reporting account XXXX to my XXXX credit report. Reporting this violates FCRA 1681a ( 2 ) ( A ) ( i ). I demand immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-09-07 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:
This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-09-07 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: PA

Complaint narrative:
I was absolutely shocked to find incorrect accounts on my credit report tonight, and I have no idea how they ended up there. I regularly check my credit report, but this time there were errors that came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies stayed. This is deeply unsettling, and I am asking for a thorough check of the documents Ive sent to ensure this issue is fully resolved, so I never have to worry about it again.

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 2024-09-07 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: TX

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2024-09-07 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 requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.

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 2024-09-07 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:
I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.

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 2024-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: TX

Complaint narrative:
On specific dates listed below : XX/XX/year> XX/XX/year> XX/XX/year> The company Hunter Warfield Inc. has been trying to collect a debt with a balance above {$12000.00}. This company has never received a signed agreement from me to obtain debt and has incorrect information such as my address and telephone number. This company actually reached out to a relative, who is a minor, under the age of XXXX to obtain debt from me. I did not provide this collector with any personal information and submitted documentation to credit burea of original creditor stating to not have any information on my behalf, such as an address to give collector. I have disputed the debt with all credit bureau agencies XXXX, XXXX, and XXXX through mail due to inaccurate information being submitted on the report from Hunter Warfield Inc. I decided to contact the credit burea directly through mail to avoid providing collector with my accurate personal information to obtain debt not owed. The balance was settled through court with a copy of paperwork provided to credit bureau for a lower balance than what is being asked. Documentation of proof has been mailed to all agencies, including bank statements, court order, drivers license, and balance to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
This letter serves as a formal demand to TransUnion for the immediate removal of the inaccurate and fraudulent XXXX XXXX account, Account No : XXXX, from my TransUnion credit report. The account is being reported inaccurately with late payments for XXXX 2024 and XXXX  2024, which violates FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This section clearly states that a consumer report does not include any report containing information solely regarding payment history or utilization between the individual and the company making the report. Therefore, the reporting of these late payments is not only unlawful but constitutes a direct violation of federal law.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that TransUnion block this fraudulent information within 4 business days as required by law. The reporting of this account and its associated derogatory remarks is both fraudulent and harmful to my credit.

Under FCRA 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The information being reported by TransUnion is inaccurate and unverifiable, violating FCRA 1681i ( a ) ( 1 ) ( A ), which mandates that inaccurate or unverifiable information must be corrected or deleted within 30 days. Given the seriousness of this issue, I demand the immediate removal of this account within 14 days of receiving this letter.

Noncompliance with this request will be considered a willful violation of FCRA 1681n, entitling me to statutory and punitive damages. If this issue is not resolved promptly, I will escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action. 

Please provide written confirmation that this account and its associated derogatory remarks have been permanently removed from my TransUnion credit report within 14 days of receipt of this letter. 

These letters are now clear about which bureau they are directed to ( XXXX or TransUnion ) and are stronger in tone. When sent to the CFPB, they will clearly indicate which letter corresponds to which bureau. 

Please remove the inaccurate late payments for XXXX and XX/XX/year> for account XXXX from my credit report & stop reporting account XXXX to my Transunion credit report. Reporting this violates FCRA 1681a ( 2 ) ( A ) ( i ). I demand immediate correction.

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 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
This letter serves as a formal demand to Equifax for the immediate removal of the inaccurate and fraudulent account from Kikoff Lending, Account No : XXXX, from my Equifax credit report. This account is being inaccurately reported with late payments for XX/XX/year> and XX/XX/year>, which violates FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This section explicitly states that a consumer report does not include information solely regarding payment history or utilization between the individual and the company making the report. As such, the reporting of these late payments is in direct violation of federal law, and I demand their immediate removal.

In addition, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Equifax block this information as it is fraudulent and negatively impacting my credit report. By law, you are required to block this information within 4 business days upon receipt of this request if it is determined to be the result of fraud or identity theft.

Furthermore, under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. The information Equifax is reporting is both inaccurate and unverifiable. As required by FCRA 1681i ( a ) ( 1 ) ( A ), inaccurate or unverifiable information must be corrected or deleted from my credit report within 30 days. Given the harm caused by this false reporting, I demand the removal of this account and any associated derogatory information within 14 days of receiving this letter. 

Failure to comply with my request for removal will be considered a willful violation of FCRA 1681n, which entitles me to statutory and punitive damages for noncompliance. I will take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

I expect full compliance and a written confirmation that this account and any associated derogatory remarks have been removed from my Equifax credit report within 14 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: NJ

Complaint narrative:
I am writing to demand the fraudulent account : XXXX reporting to my credit report to be completely deleted. 

The account was deleted and unlawfully reinserted which means you are breaking another law. These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

You must provide me with the Credible source you legally used to return this information as verifiedwhich is impossible since I didnt open this account nor did I sign for it. 
This account must be removed immediately. 

If not, My attorney & I will take the necessary steps to ensure I receive all compensation through litigation for every account along with the losses I took due to this Fraudulent Account still reporting on my profile.

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 2024-09-07 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: NJ

Complaint narrative:
I am writing to demand the fraudulent account : XXXX reporting to my credit report to be completely deleted. 

The account was deleted and unlawfully reinserted which means you are breaking another law. These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

You must provide me with the Credible source you legally used to return this information as verifiedwhich is impossible since I didnt open this account nor did I sign for it. 
This account must be removed immediately. 

If not, My attorney & I will take the necessary steps to ensure I receive all compensation through litigation for every account along with the losses I took due to this Fraudulent Account still reporting on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I attempted to dispute my Victoria secret account because it is opened fraudulently. I disputed it 2 times. Once on XXXX XXXX and again after that. I do not know who XXXX contacted to verify said debt. I proceeded to ask for the process and company information that they went through to verify said fraudulent debt. ( Act 15 usc 1681 ). No one has reached out regarding said request. They are simply verifying it by a process or person I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My company name is XXXXXXXX XXXX XXXX XXXX. My business checkbooks lost when someone broken my car and steal my bag. The checkbooks in the bag. My checks from bmo bank. The theft sign my checks and cashed money the amount is XXXX $ and {$3400.00}. XXXX checks. Please ask bmo bank help me refund my money. I have already went to bmo bank request stop payment and frozen my checking account.

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 2024-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: IN

Complaint narrative:
I did not know when applying for the loan that I would be charged extra fees on top of the payments I already make, high interest accrued each day on the account so the amount can never be paid of, also I did not know it was a revolving line of credit when I applied, I just wanted quick cash and to pay it off so I dont have to pay anymore. I contacted the company and they said only a small amount from the payments I make every XXXX weeks goes to paying off the balance and the rest goes to extra fees, I believe Credit Fresh is a predatory lender, which after I have researched on the company and other consumers have complained and wrote negative reviews about the company, saying the same thing has happened to them and could never get their balance down because they only put a small portion to the bill.

Company response to consumer: Closed with explanation