vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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 just found unauthorized inquiries on my credit report this morning, and I have no idea how they got there. When I reviewed my credit report as I normally do, these discrepancies appeared unexpectedly. I even refreshed my browser to rule out a glitch, but the inquiries didnt disappear. This situation has left me extremely frustrated, and I demand that the documents I submitted be thoroughly reviewed to prevent such issues from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MO

Complaint narrative:
XXXX XXXX XXXX put a collections report on my credit report before initial contact about the debt violating the Faor Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SC

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 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 suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-15 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: NJ

Complaint narrative:
I am writing to inform you that I am a victim of a data breach that resulted in identity theft. Consequently, several unauthorized accounts have been reported on my credit file without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3800.00XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$600.00} XXXX. XXXX XXXX Account XXXX : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$170.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$25000.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$630.00}

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Central Research Inc
State: WA

Complaint narrative:
Two student loan accounts from u.sXXXX department of education appeared on my credit report. One is for {$1500.00}, the other {$870.00}. Both created on XX/XX/year>. I am not in school and my son is in XXXX XXXX  XXXX  so no reason i would have these. I reached out to XXXX  to file the disputes claiming fraud. I was then advised to fill out a form here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report, as I am a victim of a data breach in which my personal information was compromised. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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 reaching out as a victim of a data breach, which resulted in the unauthorized use of my personal information to open fraudulent accounts in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit report : Accounts to Be Blocked and Deleted : 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 explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received an email from this company yesterday stating that the company stated it is still working on the issue but the company Experian sent an email yesterday stating the dispute is completed. Therefore, the issue was not resolved. This is report # XXXX. I requested another dispute today to have the item removed from my credit file permanently.

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> I made a purchase to " install HVAC '' using my Bank Of America credit card. The vendor originally promised to install the HVAC system within a week, but after several delays, finally the seller texted me on XX/XX/year> that he has decided not to do the installation but that he delivered the machine and left in the office building so he considers the job done and we are even. 

I explained that since the job according to our agreement, and stated on his own invoice was for " installation '' of the system, just delivering the machine is by no means completion of the work and therefore he is breaching the contract. He had the choice of picking the equipment back up and refund if he is not willing to do the install. But vendor just ignored me and threatened to take legal actions if I continue texting him. 

I disputed the charge with Bank Of America, and it took over 4 months for them to reply. 
And even with all the evidence showing how vendor is in breach of contract, Bank Of America decided in Vendor 's favor and the reason they gave was because " I did not provide a cancellation number '' I'm not even sure what Bank Of America folks mean by cancellation number because I wasnt ' the one cancelling the service, the vendor canceled it and I have no choice but to request to get my money back.

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 2024-11-15 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: GA

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items

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 2024-11-15 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am writing to formally dispute a recent late payment action that has been reported on my account and reflected on my credit report. There has been an error, and I would like to thoroughly review my account to fix this situation. 

Date of Late Payment : XX/XX/XXXX Reference : Extension Tax Assessed {$57.00} Date of last contact Honda Financial XX/XX/XXXX I have been a diligent and responsible customer of Honda for over three years. Throughout this time, I have consistently maintained timely payments on my account. However, it has recently come to my attention that a late fee has been recorded on my account and subsequently reported to the credit bureaus. 
Upon thorough review of my records, I am confident that there has been no legitimate reason for a late payment to have occurred. I have not received any prior notices or communication indicating any outstanding payments or issues with my account ; my account was on autopay for over 3 years, and I never missed one payment. Even when speaking to Honda representatives over the phone and applying for a lease extension, I was not notified that the extra tax charge on the lease needed to be paid separately. Furthermore, I have diligently maintained a record of timely payments, as my account was on autopay for the entirety of my association with Honda Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Sunday, XX/XX/XXXX, a deposit appeared in my Wells Fargo checking account for {$950.00}. I thought it was strange and I mentioned it to my wife. 

I realized it because I received an email confirming the deposit with the XXXX time at XXXXXXXX XXXX  and I live in Florida, receiving the email at XXXXXXXX XXXX 
At that point, I changed my username and password. 
Then I received another email which said : We were unable to accept a deposit made to your account. 

On Tuesday, XX/XX/XXXX, I received another email from Wells Fargo which said : Closing your deposit account ending in XXXX. 

I am not a thief, I can not be in 2 places at once, I did not make fraudulent transactions, it is my direct deposit account and for the bank I am simply a bad person, a scammer or a thief and they do not take into account the presumption of innocence. 

The situation is so serious that they included me in XXXX XXXX XXXX XXXX XXXX and I can not open another account in any other bank, this is shameful, I have been nervous for days, this has caused me a lot of anxiety and despair. 

Thank you for what you can do for me. On the other hand, I would like to expose this in some news program.

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 2024-11-15 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 wanted to reach out because I noticed something unusual on my credit report that has me worried. Theres an inquiry from a company I dont recognize, and I havent applied for any new credit or given permission for this. Its really concerning, especially since I try to be careful about my financial privacy.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have disputed the debt says owed from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MI

Complaint narrative:
Hello, Trans Union, XXXX, and XXXX keeps reporting me owing a total balance of ( {$25000.00} )... 
However, my total balance owed is only ( {$12000.00} )... 

I am requesting to have that debt removed from ALL ( 3 ) credit bureaus on grounds of reporting inaccurate account balance information.

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 2024-11-15 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: MI

Complaint narrative:
Hello, XXXX XXXX, Equifax, and XXXX keeps reporting me owing a total balance of ( {$25000.00} )... 
However, my total balance owed is only ( {$12000.00} )... 

I am requesting to have that debt removed from ALL ( 3 ) credit bureaus on grounds of reporting inaccurate account balance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MI

Complaint narrative:
Hello, XXXX XXXX, XXXX, and Experian keeps reporting me owing a total balance of ( {$25000.00} )... 
However, my total balance owed is only ( {$12000.00} )... 

I am requesting to have that debt removed from ALL ( 3 ) credit bureaus on grounds of reporting inaccurate account balance information.

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 2024-11-15 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: SC

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 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 suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-15 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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:
There are inquiries on my credit report that I don't recognize nor remember applying to or engaging with which is really concerning because I believe them to be fraudulent. I did not give permission to these companies to access my credit report, It's a blatant violation of my rights as a consumer. This is really stressing me out and making me 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