vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have XXXX XXXX from the date of this letter to correct these wrongs and restore my rightful credit standing. 
I look forward to your swift and just resolution of this matter. 
Also any address that is not XXXX XXXX XXXXXXXX XXXX XXXX Va XXXX remove it for the address i provided is the only place I have lived within the last XXXX XXXX  remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW

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 2024-11-27 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On these XXXX accounts, XXXX reversed the late payments on both of these accounts which is an accurate action on their part. If your agency does not take action and reverse the late payments as XXXX accurately did, I will have no choice but to seek legal action against your agency and exercise my rights outlined within the FCRA, pursuant to 15 USC 1681n and 15 USC 1681o, seeking full damages. 

Check the screenshots of the inaccurate erroneous accounts which where reversed by XXXX. 

I looked at my credit report 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 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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 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 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my credit history. 

Issues Identified : 1. Confusing Comments : EquifaxXXXX report includes the following statements : " Consumer disputes reinvestigation in progress. '' " Account closed by credit grantor. '' These comments differ significantly from the ones reported by XXXX and XXXX, which provide entirely different information about the account status. 

2. Inconsistent Payment History with Blank Spaces : The payment history reported by Equifax includes : XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ). 
Blank spaces in XX/XX/XXXX and XX/XX/XXXX. 
Other months are marked as " XXXX '' This history contradicts : XXXX completely blank payment history. 
XXXX report, which shows a " XXXX XXXX '' designation in XX/XX/XXXX. 

3. Inconsistent Dates : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX These dates are inconsistent with those reported by XXXX and XXXX, further reflecting a lack of reliability in the information provided by Equifax. 

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : Equifax has failed to ensure the accuracy and completeness of the reported data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information, such as the contradictory payment history and blank spaces, has not been removed as required by law.

3. 15 U.S.C. 1681c : Incomplete data, such as blank spaces in the payment history, should not remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my credit history. 

Issues Identified : 1. Confusing Comments : EquifaxXXXX report includes the following statements : " Consumer disputes reinvestigation in progress. '' " Account closed by credit grantor. '' These comments differ significantly from the ones reported by XXXX and XXXX, which provide entirely different information about the account status. 

2. Inconsistent Payment History with Blank Spaces : The payment history reported by Equifax includes : XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX  days late ). 
Blank spaces in XX/XX/XXXX and XX/XX/XXXX. 
Other months are marked as " XXXX '' This history contradicts : XXXX completely blank payment history. 
XXXX report, which shows a " XXXX XXXX '' designation in XX/XX/XXXX. 

3. Inconsistent Dates : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX These dates are inconsistent with those reported by XXXX and XXXX, further reflecting a lack of reliability in the information provided by Equifax. 

Laws Violated : 1. 15 U.S.C. 1681e ( b ) : Equifax has failed to ensure the accuracy and completeness of the reported data. 
2. 15 U.S.C. 1681i ( a ) : Unverifiable information, such as the contradictory payment history and blank spaces, has not been removed as required by law.

3. 15 U.S.C. 1681c : Incomplete data, such as blank spaces in the payment history, should not remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc XXXX CFPB Case # : XXXX Experian XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX, you, your company NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM! HAS FAILED Violation 1. ) trying to collect a charge off you dont have legal rights too. 
2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Aggravated identity theft.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) I would like to see the bill of sales and any documentation how account transitioned To Whom it May Concern Last and final warning before I get my legal team involved. Your company is in direct violation of the FDCPA, TAX Regulations, and the FCRA. I've exercised my right in the letter Ive sent your company by mail as well online. XXXX XXXX is a third party debt collector meaning they obtain a file and aggravated identity theft. 18 U.S.C 884- Collection of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than XXXX XXXX  or both. This is not proof of verification but validation. 

XXXX XXXX are not affiliates of the original creditor nor are they " bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer, Its only XXXX credit bureau The Dodd-Frank Act granted rulemaking authority under the FDCPA & FCRA to the Consumer Financial Protection Bureau ( CFPB ) 2 and, with respect to entities under its jurisdiction, granted authority to the CFPB to supervise for and enforce compliance with the FDCPA & FCRA.

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 2024-11-27 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX  XXXX XXXX XXXX Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX, Note : HARD Inquiry : XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXX XXXXXXXX XXXX XXXX, Note : HARD Inquiry : XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

Inquiry from XXXXXXXX XXXX  XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

XXXX from XXXX, Note : XXXX XXXX - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

I want my credit report to be accurate, and by law you need to remove accounts that are inaccurate, incomplete, or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Errors in my credit report list late payments inconsistent with my history. Please adjust accordingly.

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 2024-11-27 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: WI

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX XXXX  ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 a personal credit card account opened at personal credit card account open at XXXX XXXX  XXXX  XX/XX/XXXX under the account number ( private ), an auto loan account open at XXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), a person loan open at XXXX XXXX XX/XX/XXXX, Personal loan XXXX XXXX XXXX  in ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: WI

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX XXXX  ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 a personal credit card account opened at personal credit card account open at XXXX XXXX  XXXX  XX/XX/XXXX under the account number ( private ), an auto loan account open at XXXX XXXX XXXX XX/XX/XXXX under the account number ( private ), a person loan open at XXXX XXXX XX/XX/XXXX, Personal loan XXXX XXXX XXXX  in ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A NATIONAL XXXX XXXX. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT 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 SUPPLIED A FTC COMPLAINT REPORTING THE INFORMATION I AM NOT FAMILIAR WITH. PLEASE FIND ATTACHED A COPY OF MY ID, THE FTC COMPLAINT, A COPY OF THE NPD REPORT SHOWING MY INFORMATION BEING EXPOSED IN A NATIONAL XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX Names 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$400.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$400.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$400.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$210.00}

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 explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my credit history. 

Issues Identified : XXXX. Confusing Comments : XXXX report includes the following statements : " Consumer disputes reinvestigation in progress. '' " Account closed by credit grantor. '' These comments differ significantly from the ones reported by XXXX and XXXX, which provide entirely different information about the account status. 

XXXX. Inconsistent Payment History with Blank Spaces : The payment history reported by Equifax includes : XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ). 
Blank spaces in XX/XX/XXXX and XX/XX/XXXX. 
Other months are marked as " XXXX '' This history contradicts XXXX XXXX  XXXX blank payment history. 
XXXX report, which shows a " XXXX XXXX '' designation in XX/XX/XXXX. 

XXXX. Inconsistent Dates : Last payment : XX/XX/XXXX Last activity : XX/XX/XXXX These dates are inconsistent with those reported by XXXX and XXXX, further reflecting a lack of reliability in the information provided by Equifax. 

Laws Violated : XXXX. XXXX XXXX. XXXX ( b ) : Equifax has failed to ensure the accuracy and completeness of the reported data. 
XXXX. XXXX XXXX. XXXX ( a ) : Unverifiable information, such as the contradictory payment history and blank spaces, has not been removed as required by law. 
XXXX. XXXX XXXX. XXXX : Incomplete data, such as blank spaces in the payment history, should not remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
a fraud charge XXXX was on my boa credit card the card was used at XXXX XXXX XXXX XXXX XXXX XXXX use my card at this merchent i even been there before so i file a fraud with boa but they didnt approve my dispute and ask me to pay the XXXX i got a letter from them but i didnt spend the money or even in the store before

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