vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Dear CFPB, I am filling a complaint regarding unresolved issues with my credit report. 
On XX/XX/year>, I submitted a formal dispute to the credit bureaus addressing numerous inaccuracies and unauthorized inquiries. Despite 31 days passing i have yet to receive any acknowledgment or resolution, These inaccuracies, including falsely reported collections, have led to service denials and increased interest rates, impacting my financial well being and my ability to secure essential funding for me, my business and life goals. Despite multiple attempts to dispute these items, i have no received adequate verification. And I will also mention that the items listed negatively that i am disputing are falsely reporting.

According to section 611 ( a ) of the FCRA, the credit reporting bureaus are require to address the disputes within 30 days. Since this has not occured, I am demanding the immediate removal of the inaccurate items from my credit report. 

The failure of the credit bureaus to respond promptly has caused significant harm as well as their falsely reporting of information. I am prepared to purse legal action if the issue remains unsolved. 

Thank you for addressing this matter promptly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

BANK OF AMERICA Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account 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 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I contacted Discover to dispute charges for services Never Rendered. 
I am lodging a Formal complaint with the Consumer Financial Protection Bureau for Fraudulent charges. 
I rented a Hotel room using my Discover Card at the XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for XXXX night at a rate of {$150.00} via XXXX on XX/XX/year> where the plumbing was not working and the sink backed up with soot and dirty water flooding the bathroom. The XXXX XXXX XXXX promised to give me a credit for the night due to the inconvenience and for services not rendered. The Manager at the XXXX XXXX reneged on this offer to Credit my credit card and has since been fired from the XXXX XXXX. 
I have tried to obtain credit from the new XXXX XXXX, XXXX XXXX and he refuses to reimburse me for the {$150.00} claiming that the previous manager has been fired, therefore he can not confirm whether a credit was promised. I took photos of the bathroom to have proof of the plumbing backing up. These photos were forwarded to both XXXX and the XXXX XXXX to no avail. All three companies, Discover, XXXX and The XXXX XXXX Are refusing to reimburse me for charges for an unfulfilled services ; Providing A Clean decent Hotel room with working plumbing. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: ME

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-05 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: CA

Complaint narrative:
I just looked at my consumer credit report from XXXX XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 2. [ XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 3. [ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 4. [ XXXXXXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 5. [ XXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 6. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 7. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 8. [ XXXXXXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 9. [ XXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 10. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 11. [ XXXX XXXX XXXX - XX/XX/XXXX ] Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 12. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 13. [ XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B

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 2024-09-05 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: CA

Complaint narrative:
Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a XXXX position in properly enforcing the XXXX statutes although it is now evident that the XXXX has present Class-Action lawsuits pending in XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>

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 2024-09-05 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX, Equifax has provided a consumer report reporting inaccuracy. The credit report file, reports a collection account from company, XXXXXXXX XXXX XXXXXXXX, XXXX. The collection account is reported in error as the account does not belong to me. There is an address reported in attachment to the account in XXXX XXXX, MI. This is not my address. The address was disputed through Equifax and deleted on a recent credit report sent by Equifax on, XX/XX/XXXX, all which Equifax reports a mixed date of XX/XX/XXXX, which is incorrect as this is not my address and I have not resided there as of XX/XX/XXXX. I request that the collection account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-05 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: NC

Complaint narrative:
Upon looking at my credit report, I noticed unauthorized inquiries reporting. It looks like some applied in my name. I have written multiple letters to Equifax as well as called multiple times to correct this mistake. As of today, nothing has been done. The inquiries are still reporting. According to the FCRA, legally these unverified & unauthorized items MUST be removed! 

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 XXXX XXXX XXXXXX/XX/XXXX I have already submitted a police report via mail. As well as already contacted the original creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: IL

Complaint narrative:
I received a declination notice from Bank of America regarding an attempt to open an account on XX/XX/year>. I did not submit this request. On XX/XX/year> I proceeded with putting a fraud alert on my credit report. On XX/XX/year> I got a notification from XXXX stating that there was a hard inquiry on my credit report from XXXX XXXX. I did not submit anything with 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 2024-09-05 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: MI

Complaint narrative:
I am writing to dispute several unauthorized inquiry 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 inquiry that I do not recognize or authorize : XXXX - XX/XX/year> Equifax 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-05 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm a XXXXXXXX XXXX XXXXXXXX XXXX. I'm having trouble moving where I currently reside, I've filed complaints, but, because of my credit score, Im having difficulty in moving. So, I felt that I needed to see a copy of my credit report. I chose Experian, since they own the other two reporting agencies anyway!

I just queried Experian online to request my free annual credit, which they in turn supplied to me, online. However they tried to FORCE me to create an account with Experian before I could see my actual SCORES. The membership will then require a NEAR future pmt in order to stay active!!!

Consumers are legally entitled by the federal government, on a yearly basis, to see their SCORES FREE!!! Experian deliberately makes it difficult, if not IMPOSSIBLE, to access a consumers actual scores!!! 

I want my Credit Scores from these XXXX, without ANY deviousness!!! 


Please help me, and thanks in advance for your efforts, 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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