vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: FL

Complaint narrative:
The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Bank date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: FL

Complaint narrative:
The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXXXXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to dispute inaccuracies on my credit report, specifically related to the reporting of XXXX and late payments on accounts with XXXX, XXXX XXXX, and XXXX XXXX XXXX, Experian has failed to provide a fair investigation and transparent explanation of the verification process, as required by the FCRA. 

Account Information Dispute - XXXX Account # XXXX I have disputed the presence of the XXXX account on my consumer report multiple times. Experian claims to have verified the accuracy of this account, yet I have not received any satisfactory response detailing the steps taken to verify its accuracy. Pursuant to the FCRA, I am entitled to a clear and comprehensive explanation of the verification process and the basis on which XXXX was reinserted on my consumer report. 

Late Payments Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I have raised concerns about the late payments posted on my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have specifically requested information about the verification process in accordance with the FCRA. Experian has not provided any adequate response or documentation regarding the investigation into the accuracy of these late payments. 
I am seeking the following information : XXXX. XXXX Process : A detailed explanation of the verification process undertaken by Experian concerning the XXXX account and late payments on the mentioned accounts. 
XXXX. Documentation : Copies of any documents, communications, or other evidence used in the verification process for the XXXX account and late payments. 
XXXX. FCRA Compliance : Confirmation that Experian adhered to the requirements of the FCRA during the verification process and an explanation of how they ensured a fair and accurate investigation. 
I believe that Experian 's failure to provide a satisfactory response violates my rights under the FCRA, which grants consumers the right to dispute inaccuracies on their credit reports and receive a fair and transparent investigation. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I appreciate your attention to this serious matter and look forward to a resolution that upholds the rights of consumers.

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 2024-01-29 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 writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my multiple attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please acknowledge the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXX Balance : {$680.00} 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 explanation
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the inaccurate information on my credit report, as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute certain discrepancies, and to date, I have not received a response. I am seeking your assistance in resolving this issue and ensuring that Equifax complies with the Fair Credit Reporting Act ( FCRA ). 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Issue : The reported balance of {$2500.00} is inconsistent with my recollection. I request a revision of the Past Due information, as presenting a Past Due amount for a closed, charged-off account is inaccurate. This discrepancy may have adversely affected my credit score. I urge your agency to mark this account as disputed to prevent further negative impact on my credit score. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account was never late. Please correct and update this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Issue : This account was never late. Please correct and update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
DEPT OF EDXXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have already contacted this company on different occasions and they insist that I have an alleged debt with them.

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 


Account info Account name XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$6600.00}

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Title 15 of the United States Code, Section 1666b, is a provision within the Truth in Lending Act ( TILA ) that outlines the rights and liabilities of consumers and card issuers in cases of unauthorized use of credit cards. Here 's a summary of the key points covered in this section : 15 USC 1666b : ( a ) Prompt Notification : If a cardholder reports the loss or theft of a credit card to the card issuer, the issuer must provide an explanation of the cardholder 's rights and responsibilities under this section. 
The card issuer must provide a written statement of these rights and responsibilities to the cardholder at the specified address. 
( b ) Limitation on Liability for Unauthorized Use : The liability of a cardholder for unauthorized use of a credit card is limited to the lesser of {$50.00} or the amount obtained by the unauthorized use before notifying the card issuer. 
If the unauthorized use occurs before the card issuer provides the written statement of the cardholder 's rights and responsibilities under this section, the liability is capped at {$500.00}. 
Practical Implications : Prompt Notification Requirement : Card issuers must inform cardholders of their rights and responsibilities when they report the loss or theft of a credit card. 

Liability Limitation : Cardholders are generally liable for up to {$50.00} for unauthorized use of their credit cards. However, if the unauthorized use occurs before the card issuer provides the written statement of rights and responsibilities, the liability can be up to {$500.00}.

Consumer Protection : These provisions of TILA aim to protect consumers from significant financial losses resulting from unauthorized use of their credit cards, encouraging prompt reporting of lost or stolen cards while providing a reasonable liability limit. 

Understanding these provisions is crucial for both cardholders and card issuers, as they outline the rights and responsibilities of each party in cases of unauthorized credit card use.

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 2024-01-29 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: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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  Balance : {$290000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX  Balance : {$32000.00}.

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 2024-01-29 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 writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my multiple attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. 

I appreciate your attention to this matter and expect a swift and satisfactory resolution. Please acknowledge the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  Balance : - XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance : {$2200.00XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Last XXXX, before the annual fee was due on my credit card, I called Bank of America ( BOA ) to request a downgrade of the card to a no-annual-fee card. However, the customer service representative informed me that they couldn't downgrade the card, so I decided to close the account. At that time, I had overpaid on my credit card, and BOA sent me a check for the excess amount. Please see the attachment. 

In XXXX, I contacted BOA to inquire about why I still had outstanding balances when I thought I had closed the account. They informed me that my account had not been closed. After explaining the situation and providing details of the transaction in the attachment, they waived the late fee and tried to waive the annual fee. 

Since XXXX, I continued to have outstanding balances, and recently my credit score suddenly dropped. It was then that I realized it was due to this closed account. I immediately called to inquire, questioning why still have the due for my closed account. They informed me that the annual fee couldn't be waived, and the delinquent status could not be removed ; I had to pay. I felt unfair and sad. This is not my fault, but it hurt my credit. In a subsequent call, another representative claimed not to see the transaction on their records on XX/XX/XXXX, which is shown in my attachment and insisted that I had called multiple times to waive the fee. In reality, I had only discussed the annual fee in the XXXX call and XX/XX/XXXX to figure out the delinquency. Moreover, they accused me of imagining that I closed the account in XXXX. They didn't trust me and explained the transaction on XX/XX/XXXX. When I asked if the delinquency mark could be removed, they stated that it was my fault for intentionally not paying the annual fee for so long, and they couldn't do anything about it. Feeling unfairly treated, I eventually paid the overdue amount to avoid interest, even though it wasn't my fault. Their tone made me feel like they thought I was unreasonable and paranoid. Throughout the past few years, I have never defaulted on a credit card, but due to BoA 's mistake, my credit score has dropped over XXXX. I didn't know why my account was not closed last XXXX, the attachment is only evidence since BOA insisted I only did the conversion in my brain.

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 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I dispute the inaccurate reporting of a late account on my credit file. Since the bank can not provide records and has agreed over the phone to update my file, I insist the account reflects a positive review or closed/never late status. 
Account Details : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Inaccurate Information : 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 2024-01-29 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 have previously tried contacting all 3 bureaus to little to no avail. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V, for them to remove and/or block the following information : 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