vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: MI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete 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 explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: MD

Complaint narrative:
All XXXX credit bureaus are reporting inaccurate information by XXXX. I went to court against XXXX, and XXXX could not validate the debt. I sent all XXXX credit bureaus the court document and the emailed me and said that XXXX said the debt is accurate. I asked all XXXX credit bureaus how did they investigate the dispute, they said they send a kettle and XXXX sends back an automatic response and thats how they know its 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 2024-10-06 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I saw on my XXXX XXXX  report that i had a new account with Current XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX I sent them an email asking them to close any acoount with my name on it. 
I recieved an email back stating that they closed all accounts and cards in my name. They stated that I should change passwords that someone has access to all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
A Kohls Credit Card was sent to my home address and when I looked at my XXXX XXXX, it shows that a Kohls Credit card was opened in my name 19 days ago ( XX/XX/year> ). It shows a balance of {$0.00} as of right now, but that could be subject to change. My first action is to submit this report, I will attempt to cancel the card next through the company Kohls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurtimg my ability to obtain credit.it is my understanding that will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Amex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-06 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: MA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. 

PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

SEE ATTACHED THANKS

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 2024-10-06 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: MN

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Equifax for failing to properly investigate and verify disputed accounts on my credit report. Specifically, I have disputed the following accounts with Equifax, which they claim belong to me without providing any legally required proof : Equifax is reporting a closed account every month with a balance that is not my account. 

XXXX XXXX XXXX  Despite my efforts to dispute these accounts under the Fair Credit Reporting Act ( FCRA ), XXXX has come back stating that these accounts are mine but has failed to provide sufficient documentation or evidence to verify the debts. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and must delete or correct any unverifiable or inaccurate information. XXXX has not complied with these requirements by failing to produce : 1.Proof of debt ownership, including original contracts or signed agreements confirming my liability.

2.Clear and complete documentation of the verification process, including any communication with the original creditors and the evidence used to substantiate the debt.

Additionally, under 15 U.S.C. 1681s-2, data furnishers are also responsible for providing accurate information to credit reporting agencies. Since neither Equifax nor the original creditors ( XXXX XXXX XXXX ) have provided proof of my liability, these accounts should be removed from my credit report immediately. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that Equifax is held accountable for their failure to follow proper verification procedures as mandated by the FCRA. I also request that the CFPB require Equifax to provide me with full documentation of any verification or, if they are unable to do so, to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was made aware of a debt from a company called XXXX XXXX by Transworld Systems Inc, a debt collector in the amount of {$290.00}. 
I have no responsibility for this debt. I have never had nor did ever authorize anyone to open an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Got sued for XXXX dollars for a debt I knew nothing about nor made a payment on they call me constantly Ive asked them to stop. 
Company is portfolio Recovery. 
Went to court in court asked them to not contact me except by mail and still receiving phone calls and saying you will call us back and make a payment. Also keep hitting my credit report repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My XXXX 's account was transferred from XXXX XXXX to Citibank. Citibank is denying online access to my account because is currently in a repayment plan. They told me the only way to pay in my account is through the phone, store, or regular mail. These forms of payments are the least secure and more prone to fraud. I have asked for my account number to send a payment via my bank ; however, that was also refused. I have requested to speak to a supervisor, which has also been refused. Citibank is denying me secure access to my account and a secure/safe way to make a payment. Additionally, they are denying me customer service.

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 2024-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to get a loan for a house and they told I couldnt get a loan unless I paid off the previous loan, I let them know I didnt take out any loan. I contacted my credit company, and they sent me a copy of my credit report which shows an account that was open by XXXX XXXX who is my nephews mother. ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The company is Credit Corp Solutions. Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am submitting this complaint regarding LexisNexis for reporting false and inaccurate information on my credit report, which they claim has been " verified. '' This information is incorrect and has resulted from fraud and identity theft. 

When I attempted to dispute this information, LexisNexis refused to process my dispute, stating that they were unable to verify my identity. Despite providing the necessary information to support my identity and dispute, they continue to uphold the incorrect data without properly investigating or resolving the issue. 

As a result of LexisNexiss failure to accurately verify my information and their refusal to allow me to dispute the erroneous records, I am suffering from significant harm to my creditworthiness. This situation has caused me distress, and I am seeking immediate action to correct this matter. 

I respectfully request that the CFPB take appropriate measures to ensure that LexisNexis investigates and removes the fraudulent information from my credit report. Additionally, I request that they improve their dispute resolution process so that individuals affected by identity theft and fraud can have a fair opportunity to correct their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX AT & T Universal Citicard texted me about a XXXX charge for {$15.00}. I contacted the company as directed to verify that charge was not mine. They closed the account & advised they would be sending another card. Citicard did not provide the account number to me but advised it is on the web account. 
On XX/XX/XXXX I signed onto my account and discovered two XXXX charges on XX/XX/XXXX : {$120.00} & {$75.00}. Immediately contacted the company to advise the charges were not mine. When the account was due I paid the valid charges on the account as advised by the customer service representative. 
On the XXXX statement these charges still appear & when I called, I was told that the customer service rep submitted it as a dispute instead of a fraudulent charge. XXXX responded to the dispute as a valid charge to my credit card number. ( At this point need to interject that I do NOT have a XXXX account ). 
When the bill arrived, I called & discussed at length with the cc department who then transferred me to Fraud Department then to the Security Operation department. Thought that all was understood and trusted that they would do as they outlined ... provide the credit to the account. 
The new card was not activated and NOT used. AT & T continued charging interest and late fees despite my continued calls & their assurance that corrections were in the works. This resulted in my credit rating change which distressed me so I made minimum payments to stop the harassing text messages and phone calls. 
At this point your intersection would be appreciated as I have called, written and been promised resolution. I have been a Citicard holder since XXXX with several accounts which are paid in full each month.

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 2024-10-06 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: MD

Complaint narrative:
All XXXX credit bureaus are reporting inaccurate information by XXXX. I went to court against XXXX, and XXXX could not validate the debt. I sent all XXXX credit bureaus the court document and the emailed me and said that XXXX said the debt is accurate. I asked all XXXX credit bureaus how did they investigate the dispute, they said they send a kettle and XXXX sends back an automatic response and thats how they know its 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 non-monetary relief
Consumer complaint received 2024-10-06 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: MD

Complaint narrative:
All XXXX credit bureaus are reporting inaccurate information by XXXX. I went to court against XXXX, and XXXX could not validate the debt. I sent all XXXX credit bureaus the court document and the emailed me and said that XXXX said the debt is accurate. I asked all XXXX credit bureaus how did they investigate the dispute, they said they send a kettle and XXXX sends back an automatic response and thats how they know its accurate.

Company response to consumer: Closed with explanation