vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: WA

Complaint narrative:
I am submitting this complaint to demand the immediate removal of unauthorized items related to XXXX XXXX and XXXX XXXX XXXX from my credit report. These items were added without my authorization and remain in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the deletion of information resulting from identity theft or fraud when supported by an FTC Identity Theft Report. My FTC report has already been filed and submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: WA

Complaint narrative:
I am submitting this complaint to demand the immediate removal of unauthorized items related to XXXX XXXX and XXXX XXXX XXXX from my credit report. These items were added without my authorization and remain in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the deletion of information resulting from identity theft or fraud when supported by an FTC Identity Theft Report. My FTC report has already been filed and submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-12-29 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to 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 2024-12-28 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: WA

Complaint narrative:
Date Opened : XXXX Balance : {$3900.00} Fraudulent Inquiries : XXXX. XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: WA

Complaint narrative:
Date Opened : XXXX Balance : {$3900.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX 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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AR

Complaint narrative:
CREDIT BUREAUS ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS. XXXX ACCOUNT NEED TO BE REMOVED ASAP TO WHOM THIS MAY CONCERN : XXXX XXXX  CHARGED THIS ACCOUNT OFF AS OF XX/XX/year>. 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT. 
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was jeopardized in a data breach and is affecting my credit. My privacy rights were violated and by law ( 15 USC 1681 ), that's illegal.

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 2024-12-28 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: GA

Complaint narrative:
My information was jeopardized in a data breach and is affecting my credit. My privacy rights were violated and by law ( 15 USC 1681 ), that's illegal.

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 2024-12-28 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAS for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, SSN, The FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a Validation of the debt letter.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to formally file a complaint against Bank of America, as well as to seek assistance regarding the negative impact that XXXX and XXXX XXXX have had on my ability to re-establish a banking relationship. 

Several months ago, Bank of America closed my checking account due to suspected fraudulent activity that I neither committed nor authorized. Despite my best efforts to resolve the matter with Bank of America, including providing necessary documentation and explanations, I am now being penalized by having my account closed and flagged for fraudulent behavior. 

As a result of this incident, I have been listed as a high-risk individual with both XXXX and XXXXXXXX XXXX, making it nearly impossible for me to open a new checking account with any bank. I understand that these consumer reporting agencies play a role in determining the risk profile of potential banking customers, but I firmly believe that the information reported about me is inaccurate and unjust. 

I have reached out to both XXXX and XXXX XXXX  to dispute the information on my consumer reports. I filed disputes regarding the inaccurate reporting of fraudulent activity that was not initiated or authorized by me. I am currently awaiting their response, but in the meantime, I continue to face significant challenges in reestablishing my financial stability and banking relationship. 

I am requesting that the Consumer Financial Protection Bureau assist me in resolving this issue and guide me on how I can clear my name from these systems, particularly given that I was the victim of fraud and am being unfairly penalized for circumstances beyond my control. 

I would deeply appreciate your support in helping me navigate this situation and ensure that I am able to open a checking account with Bank of America or any other financial institution without facing undue penalties due to erroneous information on my consumer reports. 

Thank you for your attention to this matter. Please feel free to contact me if you require any further information or 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 2024-12-28 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: DE

Complaint narrative:
I am writing to follow up on my previous dispute regarding the following negative accounts reported by your respective credit bureaus. Despite providing sufficient time for investigation, these accounts remain unverified and inaccurately reported on my credit file.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information. 

The following items on my credit report are incorrect and should be removed immediately Experience/Equifax/TransUnion

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information.

The following items on my credit report are incorrect and should be removed immediately Experience/Equifax/TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was told that lexington law will help me get stuff off my credit report but they didn't every month they was getting money out of my bank account but the stuff they were supposed to be moving it off was still there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX XXXXL Account # : XXXX Reported Balance : {$15000.00} Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$280.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$15000.00} Account in Dispute : XXXX XXXX Account # : XXXX Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.

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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
Indigo Mastercard- Does not apply payments to available balance after taking the money from the consumers bank account. 
Payments made during the billing cycle are taken from my bank right away.

They are listed as payment posted on the account. But they do not apply them to the available balance for 2 or more weeks, and usually not until the next billing cycle starts regardless of how early the payment is made. They set the account to 0 balance with no available credit when it has been paid off in full. They charge fees that the account is over when they have already taken the payment out of my bank account and listed it as posted weeks beforehand. 
I have called them about it and they will not correct it. Instead they locked the card even though it was paid off and I had to spend hours on the phone to get it unlocked. 
It has been going on for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I paid for credit repair services from Lexington Law firm but I never received the services and I made no impact on my credit report or resolve my debt.

Company response to consumer: Closed with explanation