vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
Subject : Request for Removal of Inaccurate Inquiries To the Attention of : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Dear Sir or Madam, I am writing to file a formal complaint regarding inaccurate inquiries on my credit report, and I request your assistance in addressing this issue. My request is based on my rights under the Fair Credit Reporting Act ( FCRA ) and the following sections : Section 611 ( 15 U.S.C. 1681i ) : Right to dispute and correct inaccurate or incomplete information. 
Section

609 ( 15 U.S.C. 1681g ) : Right to access information in the consumer 's file. Section 604 ( 15 U.S.C. 1681b ) : Limit
ations on the use and acquisition of credit reports. 
Upon reviewing my credit report, I identified several inquiries that I do not recognize or believe to be inaccurate. These inquiries are negatively affecting my XXXX XXXX, and I believe they should be investigated and removed if found to be erroneous or unauthorized. 

List of Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I request that these inquiries be thoroughly investigated, and any inaccuracies or unauthorized inquiries be removed from my credit report. 

Additionally, per Section 609 of the FCRA, I request a full disclosure of all inquiries on my credit report, including the entities that made the inquiries and the purpose behind them. 

Finally, in accordance with Section 604, I ask that the entities responsible for these inquiries be verified to ensure they had a legal and permissible purpose for accessing my credit report. If any of these inquiries were made without my authorization or without a valid reason under the FCRA, I demand their immediate removal. 

I respectfully request that you take prompt action on this matter and ensure that my rights are upheld. I expect to receive a response within the 30-day period as mandated by the FCRA. 

Thank you for your attention to this issue. I look forward to your timely 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 2024-08-31 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: NC

Complaint narrative:
My name is XXXX XXXX, I'm writing to address several problems I've found with my credit report. These include incorrect account listings, unauthorized inquiries, credit reporting mistakes, billing issues, and accounts that do not belong to me. 

I am requesting help to fix these issues and protect my financial security.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-31 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:
Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name XXXX XXXX  Account Balance XXXX $ Date Opened XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX $ Date Opened XX/XX/XXXX Account Name XXXXXXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXXXXXX XXXX  Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Chex Systems is Illegally reporting misinformation and wasn't given any permission by me to do so. 

Chex Systems reported me for suspected fraud activity on XX/XX/year> Account Number : XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 U.S. Code 1681 et seq. ), consumer reporting agencies must ensure the accuracy and fairness of the information reported. The inclusion of fraudulent information is a direct violation of this requirement. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA ( 15 U.S. Code 1681 et seq. ), which amends the FCRA, provides consumers the right to dispute and correct inaccuracies in their reports. The incorrect reporting of a fraudulent check undermines this provision. 

Identity Theft and Assumption Deterrence Act ( ITADA ) : This act ( 18 U.S. Code 1028 ) addresses identity theft and the use of false identification. Reporting a transaction made through fraudulently obtained information contravenes the protections afforded under this law. 

Consumer Financial Protection Act ( CFPA ) : Under the CFPA ( 12 U.S. Code 5531 et seq. ), financial institutions and reporting agencies are required to protect consumers from unfair practices, including the reporting of fraudulent information.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b : This section outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. Reporting a fraudulent check without my authorization or a permissible purpose constitutes a violation of this requirement.

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 2024-08-31 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: NY

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Charge-Off on Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding an inaccurate and unfairly reported charge-off that appears on my credit report. I have already disputed this matter with the relevant credit bureaus but have not received a satisfactory resolution. Therefore, I am seeking your assistance in addressing this issue. 

Details of the Complaint : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX Credit Bureaus Involved : [ Equifax, XXXX ] Nature of the Complaint : 1. Inaccurate Reporting : The charge-off in question is inaccurately reported on my credit report. I have disputed this information with the credit bureaus under my rights as provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Despite my dispute, the charge-off remains on my credit report without adequate validation or correction.

2. Failure to Verify : Under 15 U.S.C. 1681s-2 ( b ), the information furnisher ( creditor or debt collector ) is required to investigate and verify the accuracy of the information when it is disputed. I believe this verification has not been properly conducted, as the disputed charge-off has not been removed despite a lack of sufficient evidence.

3. Violation of Reporting Period : If this charge-off exceeds the seven-year reporting limit as outlined in 15 U.S.C. 1681c ( a ) ( 4 ), it must be removed immediately. The continued presence of this charge-off on my credit report is a violation of federal law.

Impact on Me : The inaccurate reporting of this charge-off has caused significant harm to my credit score, affecting my ability to obtain credit on fair terms. This has had a serious impact on my financial well-being, and I am seeking your intervention to rectify this situation.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One BJs Mastercard has charged my account {$160.00} in interest and {$40.00} in late charges this month. 
I am having difficulty and Capital One did not offer any resolution that is acceptable. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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 file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: GA

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


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: GA

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

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  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
To Whom it may concern account name XXXX XXXX XXXX XXXX you are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Once the original creditor sells my debt to a 3rd party debt collection without my permission. I no longer owe this debt.

Pursuant to the fair debt collection practices Act 15 US code 1692

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I opened my Equifax account in order to freeze my credit and add levels of identity protection. I am very alarmed that Equifax does not offer two factor authentifaction for my account. How is this acceptable??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I provided XXXX dollars plus in receipts. According to them I've only paid XXXX totals I'm XXXX years. The car note is XXXX a month. The car hasn't been repossessed ever. They are also playing with my payments. Meaning I have missed things

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 2024-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
there is an paid balance on my XXXX XXXX that was not mine back in 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 2024-08-31 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: NC

Complaint narrative:
I am XXXX XXXX, I'm reaching out because I've noticed several issues with my credit report, including wrong account listings, unauthorized inquiries, reporting mistakes, billing errors, and accounts that aren't mine. 

I need help fixing these problems to protect my financial security.

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 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Subject : Dispute of Fraudulent Charge Request for Intervention Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute with Bank of America regarding a fraudulent charge on my XXXX XXXX XXXX XXXX XXXX Despite my efforts to resolve this issue directly with the bank, the matter remains unresolved. 

Transaction Details : Date of Fraudulent Charge : XX/XX/year> Location of Charge : XXXX XXXX, XXXX Amount : {$2100.00} Bank of America Claim Number : XXXX Background Information : During my recent vacation in XXXX, I used my credit card twice in XXXX. Following these transactions, the card stopped working and I made no further purchases with it in XXXX. 

On XX/XX/year>, after landing in XXXX on the way home, I received a notification from the Bank of America XXXX about a suspicious charge. I promptly reported the charge from XXXX XXXX, XXXX, as fraudulent. My card was deactivated in response, and I assumed the matter would be resolved. 

On XX/XX/year>, I received a correspondence stating that the charge was not covered under their fraud protection policy because they " confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' However, I was not in XXXX XXXX and could not have made this transaction. Ive attached the claim denial letter. 

Evidence Supporting My Claim : Flight Documentation : On XX/XX/year>, I was on a flight from XXXX to XXXX. Attached are my airline check-in and boarding documents proving my presence on this flight during the time of the fraudulent transaction. 

Store Hours XXXX : The store where the fraudulent purchase was made does not appear to open until XXXX a.m. local time. At that time, I was on an airplane, and it would have been impossible for me to make the transaction. 

Previous Location : On XX/XX/year>, I was staying at a hotel near XXXX airport in preparation for my flight home. This location is far from XXXX XXXX, XXXX, further confirming that I could not have made the purchase. Ive attached my booking confirmation at the hotel. 

No Prior Visit : I have never been to XXXX XXXX, XXXX, in my life, which precludes me from having made the purchase in question. 

Given the evidence provided and the circumstances of the fraudulent charge, I am seeking your intervention to ensure that Bank of America correctly resolves this dispute and covers the charge under their fraud protection policy. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, 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 monetary relief