vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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 requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My most recent credit report includes several accounts I did not authorize. Please ensure these accounts are blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
For approximately one year I have repeatedly sought to remove an item from my credit report that is there in error. For over one year XXXX XXXX XXXX XXXX  has continually reported information on my credit report that is incorrect. XXXX XXXX XXXX XXXX  has reported this incorrect information and continues to do so to all of the major credit reporting bureaus. The information that XXXX XXXX XXXX XXXX  is reporting is incorrect because the debt that they are reporting is not mine. I have never contracted in any capacity with XXXX XXXX XXXX XXXX. I did not open an account with XXXX XXXX XXXX XXXX. I did not authorize any person or party to act on my behalf to open an account with XXXX XXXX XXXX XXXX. I will not and have not benefited in any way from this account that XXXX XXXX XXXX XXXX  is reporting. 
In trying to remove this account from my credit report I have reached out to all parties involved ( XXXX XXXX XXXX XXXX  and the major credit reporting bureaus ). I have filed numerous disputes with the major credit reporting bureaus indicating that this debt does not belong to me. Each dispute has resulted in the same outcome, where the debt is claimed to be verified. Throughout the past year I have made four separate written requests to XXXX XXXX XXXX XXXX  demanding that they validate, verify, and provide all corresponding paperwork with regards to this debt. I HAVE NEVER RECEIVED A RESPONSE TO ANY OF MY WRITTEN DEMANDS. I have contacted XXXX XXXX XXXX XXXX  numerous times via telephone and I have been told each time that such requests must be made in writing. 
When disputing this debt with the major credit reporting bureaus I have included the aforementioned information. The major credit reporting bureaus are aware that I have made said demands on XXXX XXXX XXXX XXXX  and that they have not responded to said requests. Despite this obvious non compliance with various governing laws and regulations all the major credit reporting bureau have continued to report this incorrect information on my credit report. It appears that said major credit reporting bureaus are satisfied with the information that XXXX XXXX XXXX XXXX  is submitting in response to my initiated disputes. All the major credit reporting bureaus have denied my requests to examine the documents that XXXX XXXX XXXX XXXX submits in response to my dispute initiation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There's XXXX hard inquiry in my credit I didnt authorize and no actions were taken by none XXXX XXXX 5 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX BOA 2 times XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX 2 times XX/XX/XXXX XX/XX/XXXX XXXX 2 times XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 2 times XX/XX/XXXX XX/XX/XXXX XXXX  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 2024-12-17 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: NY

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
There was a Identity Breach and I know some items I do not have attachment to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a transaction of {$11.00} with XXXX, posted on XX/XX/XXXX. I called BoA on XX/XX/XXXX for this transaction to make sure it was eligible for the lifestyle credit. The lifestyle credit covers streaming services and XXXX is a music streaming service. Moreover, the merchant code is XXXX which qualifies the credit. This is what I received from the first phone call. On a second phone call on XX/XX/XXXX, the representative told me the conflicting information that XXXX did not qualify for the lifestyle credit even if the merchant code is expected, and added that BoA had a list of merchants for this lifestyle credit while not clearly and publicly specified in the benefit document from both online and paper one I have. This is definitely not a good advertising practice for a credit card from a large bank like Bank of America. This makes consumers difficult to use the credit or benefit. 
I am a platinum honor member of BoA due to my deposit there and I feel really upset about this credit card practice.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my credit report and identified several accounts that I believe are fraudulent. Kindly remove them from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OR

Complaint narrative:
I retrieved a copy of my credit report Transunion and discovered an inquiry that I have no knowledge of. On XX/XX/year>, XXXX XXXX appear on my credit reports as a hard inquiry that impacted on my credit score. I never authorized hard inquiry on my credit report for this company. 

Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,

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 2024-12-17 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
This notice serves as my lawfully written consumer complaint contesting the reporting privileges of each related data reporting furnisher, as well as any accepting repository, in regards to any claim for which the involved parties have failed to successfully respond to my demand for physical proof confirming that each claim adheres to federal and state mandates. Specifically, I am contesting whether the reports are made in adherence to unquestionable truth, accuracy, timeliness, completeness, and verifiable validity, with no deviations from what can be considered MAXIMUM POSSIBILITY compliance. 

I contend that the failure to demonstrate proof confirming that the reporting processes were certifiably compliant, and in full adherence to the Metro 2 Data Field Reporting Standards, is unlawful and unfair. Any omission or deviation from these standards jeopardizes the integrity of the data reported. If injury has occurred to my credit report, emotional state, or credit score, these circumstances are subject to legal action.

In this correspondence, I DEMAND PROOF of your purported accurate, complete, and compliant reporting of any negative information related to me. This is not a dispute against the claims themselves but rather a demand for evidence proving that the reporting process you used was conducted in a lawful and compliant manner. This ensures that all claims made were reported with MAXIMUM potential accuracy and completeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: Kikoff Inc.
State: TX

Complaint narrative:
Should you continue to disregard, fail to comply, or fail to provide authenticated proof of substantial and satisfying evidence of compliant reporting codes, as outlined in this statement, you should accept this letter as an official document signaling my intention to seek civil action. I am hereby notifying you that I, the consumer, am currently injured by your unproven or inadequate reporting practices. With that in mind, I am contesting the assumed but conditional reporting privileges of any and all claims challenged within this consumer complaint.

This declaration demands that you provide demonstrable proof of your lawful, certifiable, and compliant reporting practices, which must fully adhere to my state 's and all applicable federal reporting mandates and statutes. Specifically, I am requesting that you provide evidence of your adherence to the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and any relevant laws within my state. This is to ensure that your reporting complies with the highest statutory standards.

My concerns are particularly focused on whether the claims reported in my file have any deviation from your mandatory use of legitimate and ethical industry stan
dards. Of particular importance is your compliance with the Metro 2 Data-filled Field Formatted Reporting Standards as required by the CDIA ( Consumer Data Industry Association ) .

Upon reviewing recent copies of my personal consumer credit report, I have noticed potentially questionable data. It appears that some information may have been re-added to my credit report profile after it was previously removed, and I have not received the required 5-day notice of the reinsertion from your office, as mandated by the FCRA. If this is the case, I am confused as to how and why this data has been reinserted.

As you are well aware, under the Fair Credit Reporting Act ( FCRA ), any item previously removed from a consumers credit report can not be reinserted without written notice to the consumer from the reporting agency within five ( 5 ) business days. To date, I have not received any such notice.

Therefore, I request that you immediately address this issue. If your failure to do so continues, I will consider pursuing legal action for violation of my consumer rights, as this failure may be considered unethical and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX UNI Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. 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 explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fruadulent accounts on my report, Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-12-17 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: DE

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-17 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: FL

Complaint narrative:
I am submitting a complaint regarding an illegal charge-off on my credit report that was not properly validated or investigated. Before the charge-off appeared, the creditor added late charges to my account, which is a violation of 15 U.S.C. 1666b and 15 U.S.C. 1637b, as I never received the required periodic statements detailing these charges. 

Federal law mandates proper investigation and notification prior to reporting such accounts. Failing to provide accurate and timely statements and placing an unvalidated charge-off on my credit report is unlawful. I request that this charge-off be immediately removed to ensure compliance with the law and to prevent further harm to my consumer rights.

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 2024-12-17 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/2024 this inquiry is incorrect and doesnt belong to me or it was not authorized. I want it removed immediately!

Company response to consumer: Closed with explanation