vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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 express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution 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 ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution 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 ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Subject : ** Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX  XXXX XXXX for ongoing and inaccurate reporting of a closed account on my credit report. Despite this account being closed, XXXX XXXX continues to report balance updates, which is both misleading and in violation of the **Fair Credit Reporting Act ( FCRA ) **. These inaccuracies are negatively affecting my credit standing and causing significant distress. 

**Details of the Issue : ** - The account in question ( Account Number : XXXX ) has been closed ; however, XXXX  XXXX XXXX continues to update the balance as though the account is active. This is inaccurate and constitutes false reporting under the FCRA. 
- This repeated inaccuracy has been reported to credit bureaus ( XXXX, TransUnion, and XXXX ) but remains unresolved. 

The FCRA requires that all information reported to credit bureaus be accurate, complete, and up to date. XXXX XXXX  failure to correct this issue is a clear violation of my rights under federal law. As a result, I am requesting immediate action by the CFPB to address this matter. 

**Resolution Requested : ** 1. I demand that this account be **immediately removed** from all three credit reports ( XXXX, TransUnion, and XXXX ) due to its inaccurate and misleading reporting. 
XXXX. I request that XXXX XXXX XXXX cease all further reporting of this account and any related balance updates. 

Failure to resolve this issue promptly will result in my pursuit of legal action, including seeking damages for each inaccuracy related to this account, as permitted under the FCRA. 

**Supporting Documentation : ** Enclosed are the following documents to support my complaint : - A copy of my recent credit report showing the inaccurate reporting. 
- Documentation confirming the accounts closed status. 

I trust the CFPB will take immediate and appropriate action to ensure compliance with federal regulations and protect my rights as a consumer. Please confirm receipt of this complaint and provide me with a timeline for your investigation and resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX **Enclosures : ** 1. Copy of Credit Report 2. Proof of Account Closure

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 2024-11-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Subject : ** Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX  XXXX XXXX for ongoing and inaccurate reporting of a closed account on my credit report. Despite this account being closed, XXXX XXXX continues to report balance updates, which is both misleading and in violation of the **Fair Credit Reporting Act ( FCRA ) **. These inaccuracies are negatively affecting my credit standing and causing significant distress. 

**Details of the Issue : ** - The account in question ( Account Number : XXXX ) has been closed ; however, XXXX  XXXX XXXX continues to update the balance as though the account is active. This is inaccurate and constitutes false reporting under the FCRA. 
- This repeated inaccuracy has been reported to credit bureaus ( Experian, XXXX, and XXXX ) but remains unresolved. 

The FCRA requires that all information reported to credit bureaus be accurate, complete, and up to date. XXXX XXXX  failure to correct this issue is a clear violation of my rights under federal law. As a result, I am requesting immediate action by the CFPB to address this matter. 

**Resolution Requested : ** 1. I demand that this account be **immediately removed** from all three credit reports ( Experian, XXXX, and XXXX ) due to its inaccurate and misleading reporting. 
XXXX. I request that XXXX XXXX XXXX cease all further reporting of this account and any related balance updates. 

Failure to resolve this issue promptly will result in my pursuit of legal action, including seeking damages for each inaccuracy related to this account, as permitted under the FCRA. 

**Supporting Documentation : ** Enclosed are the following documents to support my complaint : - A copy of my recent credit report showing the inaccurate reporting. 
- Documentation confirming the accounts closed status. 

I trust the CFPB will take immediate and appropriate action to ensure compliance with federal regulations and protect my rights as a consumer. Please confirm receipt of this complaint and provide me with a timeline for your investigation and resolution. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX **Enclosures : ** 1. Copy of Credit Report 2. Proof of Account Closure

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card was blocked from being used. I verified all my personal information and told them that I had the card in hand and that there had been no fraud. I believe the representative XXXX XXXX falsely placed a block in my account ( after I told her not to ) and we briefly argued about it. I had to hang up the phone and in retaliation I believe she falsely reported there was fraud on the account. I asked Bank of America what the fraud was and they said it was because I tried to use the card on my mobile app.

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a purchase promotional balance of 0 % APR to open this account last year, and the promo was set to expire on the statement closing in XX/XX/XXXX. The statement closed on XX/XX/XXXX, with a balance of {$19000.00} and a payment due date of XX/XX/XXXX, but this due date was changed from the XXXX to the XXXX of the month ( i.e., XX/XX/XXXX ) which changed the next closing date to XX/XX/XXXX. To avoid interest fees, I made every effort to pay off the full statement balance on the due date after the expiration of the promotional balance by first payment of {$14000.00} of XX/XX/XXXX followed by another payment of {$4400.00} ( remaining statement balance ) planned for XX/XX/XXXX but due to weekend delays funds were not available until XX/XX/XXXX. When the statement closed on XX/XX/XXXX, I was charged an interest of {$250.00}, defeating the whole effort of paying off the full balance of XXXX. When I reached out to customer service explaining this issue and requesting for a one-time courtesy waiver of the interest charge since I paid the full statement balance, and I have always made my payments on time and never owed, I was disappointed by the response of the agent who obviously did not show any concern or courtesy to help. A one-time courtesy over interest charges is the least a financial company can do for a customer who actively used the card and has always made on time payments.

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 2024-11-30 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
I am writing to formally request validation of the debt referenced on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The original creditor 's name and address. The amount of the debt. The account number associated with this debt. A copy of the assignment contract that demonstrates your legal right to collect this debt on behalf of the original creditor. Any documentation that verifies the debt 's validity, including the date of default. Until I receive this information, I kindly request that all collection activities cease. Thank you for your prompt attention to this request. I look forward to your response.

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 2024-11-30 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: GA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated 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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: IL

Complaint narrative:
When applying for a credit card or trying to finance furniture my XXXX score always comes back and show me You have a serious delinquency or derogatory indicator, public record and/or collection on your credit report. 
The presence of a serious delinquency or derogatory indicator and a derogatory public record ( such as a bankruptcy ) or collection is a powerful predictor of future payment risk. 
However, newer versions of the score including XXXX Score XXXX, XXXX Score XXXX, and XXXX XXXX XXXXXXXX XXXX only consider unpaid collections. Most collections, public records and delinquencies stay on the report for no more than seven years - though there are certain items that could remain longer. As these items age, they may have less impact on the XXXX  Score. Satisfying the public record or paying off the collection will not remove the item from a credit report. And it will still be considered by a XXXX Score as long as it is reported. 
THIS IS FALSE because on XXXX XXXX XXXX Report Date : XX/XX/year> This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. 
They can be contacted at : XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. 
XXXX  stay on your credit report for up to 10 years, depending on the chapter of XXXX  you file for. They generally have a negative impact on your credit score. 
You currently have no XXXX  on your credit file. 
It you recently had a XXXX, it could take a couple months to populate to your credit I THINK THIS IS because of MY NAME I believe this has something to do with XXXX  I am XXXX XXXX generation XXXX and all I want is to be able to buy a home for my family, I have been renting since I was XXXX XXXX XXXX and have paid XXXXXXXX XXXX XXXX All I want is the opportunity to get a line of credit that will help me increase my credit And buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
i notice on my credit report that Affirm is reporting late payments on accounts that was never late and my payment schedule and receipts of 100 % of on tome payments are attached please correct and remove any late payments associated with affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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

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

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
My personal information was leaked in the equifax data breach and the XXXX data breach and as a result of that credit cards and loans were opened up in my name without my consent. I am requesting that Equifax remove these accounts under FCRA 605B as these accounts were a result of identity theft. I have attached necessary documentation for proof. Please send me an updated credit report after an investigation has been done. I also want ALL documents and all correspondence of communication BETWEEN the creditor and credit bureau agency.

Company response to consumer: Closed with explanation