vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: AR

Complaint narrative:
When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified by the three credit bureaus ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected/deleted : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX **** Balance XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} - tied up XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: SC

Complaint narrative:
Subject : Request for Removal of Hard Inquiries with No Associated Accounts on Experian Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of XXXX hard inquiries that have appeared on my Experian credit report. These inquiries are adversely affecting my credit score and are not linked to any accounts or applications. The details of the inquiries in question are as follows : XXXX. XXXX inquiry dated XXXX XXXX. XXXX XXXX inquiry dated XXXX XXXX. XXXX XXXX inquiry dated XXXX These inquiries are contributing nothing to my credit profile and are only serving to harm my credit score since they stand alone without any accounts connected to them. As such, they should be removed immediately. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Section 611 of the FCRA provides that consumers can dispute the accuracy of any item in their credit file, and credit reporting agencies are obligated to correct or delete any information found to be inaccurate, incomplete, or unverifiable within a reasonable period. 

Additionally, South Carolina state law, specifically XXXX XXXX XXXX. XXXX et seq., protects consumers against unauthorized use of their personal information. This law mandates that businesses operating in South Carolina must ensure the accuracy and security of consumer information, including credit reports. Since these inquiries are not linked to any accounts, they violate my consumer rights under both federal and state laws by unjustly damaging my credit score. 

I have already attempted to resolve this matter directly with Experian but have not received a satisfactory response. The presence of these unauthorized inquiries continues to cause undue harm to my creditworthiness and financial stability. 

I respectfully request that the Consumer Financial Protection Bureau intervene to ensure : XXXX. A thorough investigation into the origins of these hard inquiries. 
XXXX. Immediate removal of the inquiries from my credit report due to their lack of associated accounts. 
XXXX. Implementation of measures to prevent future unauthorized inquiries and protect my credit information. 

I appreciate your prompt attention to this serious issue and look forward to a swift resolution. Please confirm receipt of this complaint and inform me of any actions taken on my behalf. 

Sincerely, 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 2024-05-28 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:
XXXX, XXXX, & Equifax are purposely trying to lowering my credit rating by having the same alleged debt listed twice on my consumer report furthermore I have no obligation under federal law to pay a debt collector until a judgment is issued by a court. This collection has not been filed in any court jurisdiction and the only reason the consumer agencies are reporting this information is because they are paid then they make profits from selling this information to various other third parties. This is illegal because their service is one that is not required and they need written or expressed consent which I have not given. This is a legal notice to remove this collection or I will sue under FCRA and file arbitration based on the service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, & XXXX are purposely trying to lowering my credit rating by having the same alleged debt listed twice on my consumer report furthermore I have no obligation under federal law to pay a debt collector until a judgment is issued by a court. This collection has not been filed in any court jurisdiction and the only reason the consumer agencies are reporting this information is because they are paid then they make profits from selling this information to various other third parties. This is illegal because their service is one that is not required and they need written or expressed consent which I have not given. This is a legal notice to remove this collection or I will sue under FCRA and file arbitration based on the service agreement.

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 2024-05-28 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: NY

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is now requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete representing a grave error in your report.

allowing letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been disputing multiple items on my credit report for an extended amount of time and have yet to be provided with any verification of alleged debt and said public record. As per the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as i requested before the end of the 30-day period. Instead, you sent me results of remaining accounts/records. It's clear you have willfully failed to modify or delete the disputed information, you willfully failed to conduct a reasonable reinvestigation of my disputes because I still currently have a collection account ( XXXX  ), charge offs and a bankruptcy reporting on my credit report. According to FCRA sec 605b, it's illegal to report information on my credit without my permission. Also, while these items were in dispute the company failed to follow FCRA rules of cease and desist of collection and communication including through any mediums, which includes reporting to bureaus. Charge off accounts according to the IRS publications are considered income. Income isn't allowed to be reported to any credit reports ; therefore, must be deleted promptly. These collection accounts i've requested to receive actual PROOF of debt ownership, proof of my wet ink signature on contract with said debt collector, method of verification and valid right of collection. Your failure to properly investigate is an intentional and/or negligent FCRA violation . For this alleged bankruptcy I have done my due diligence, by contacting the listed bankruptcy court for verification. They are not a data furnisher of this alleged bankruptcy. They have provided me a letter stating they do not report any information to any reporting agency! However, they're listed on my report as if the courts reported this information to them. I have made copies and sent this letter to all 3 credit bureaus. XXXX was the only one to delete the public record. Furthermore, I have also sent the letter to XXXX  XXXX and they sent a letter notating updating and deleting the bankruptcy from my record as well. As a result of your conduct, you should promptly delete the disputed information. Since it has now been multiple disputes with no verification or valid updates. You lie to deceive your clients and ruin reputations. The reporting requirements do not comply with the FCRA 611- 15 USC 1681 and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I was involved in an accident. I reported it to Prestige Financial in XXXX XXXX XXXX Utah whom I received the loan through. Prestige Financial would not help me like they stated instead told the guy at the repair shop that they would help them sue me. I was going through a rough time. Prestige Financial has repeatedly lied to the credit report agencies about false balances. They have lied an stated that they was included in my bankruptcy and was not. They have threatened me that they are going to come and get me. Please view there reviews on XXXX and the XXXX XXXX XXXX I do not know how they know when my credit score increase because they will close and charge off a false balance and then reopen it again on my credit reports. XXXX has allowed them to repeatedly do this. I am beyond stressed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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:
I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$110000.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2024

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 2024-05-28 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: IL

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX account also known as XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This account is reporting inaccurately and is impacting my livelihood. This is a property management company trying to charge me for breaking a lease. All rent that was due was paid on time. Washington state law states that if I I feel unsafe or threatened I have to be let out of my lease. I have filed disputes to have this account removed from my credit report. Please provide proof from your investigation that this is a valid debt or please remove this account from 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 non-monetary relief
Consumer complaint received 2024-05-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is now requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete representing a grave error in your report.

allowing 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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I filing a formal complaint against Bank of America regarding their lack of communication. I have not received any updates from Bank of America, and I am unable to check my account balance since I was not notified that my bank account was closed. Upon multiple attempts to contact Bank of America, each time I input the last four digits of my social security number, the system consistently informs me that they are closed, during their business hours preventing me from accessing essential account information. 

Additionally, I want to bring to your attention the ongoing issues I have encountered with both Bank of America and XXXX XXXX, which have significantly impacted my financial situation. Furthermore, there has been a dramatic drop in my credit score due to these unresolved issues with Bank of America and the sudden closure of my credit card accounts by XXXX XXXX. The negative impact on my credit score has been substantial, initially plummeting from XXXX to XXXX and subsequently decreasing to XXXX, leading to significant financial distress. 

I respectfully request your intervention in investigating the recurring problems with Bank of America and XXXX XXXX, as well as the concerning decrease in my credit score. Your prompt attention to resolving these urgent matters and assisting in restoring financial stability would be greatly appreciated. 

Thank you for your consideration and assistance in addressing these critical issues.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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