vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - 15 U.S.C. 1681c ( a ) ( 1 ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. 1022.43 ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - 15 U.S.C.1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - 15 U.S.C. 1681 ( a ) ( XXXX yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. 1022.42 ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. 1022.41 ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TN

Complaint narrative:
I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - 15 U.S.C. 1681c ( a ) ( XXXX ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. 1022.43 ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - 15 U.S.C.1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - 15 U.S.C. 1681 ( a ) ( 1 yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. 1022.42 ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. 1022.41 ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 has violated my rights. 

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

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 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry 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 explanation
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-04-29 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: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my ongoing efforts to address fraudulent items on my credit report. 

Despite numerous previous attempts and communications, the fraudulent items remain unresolved. Their presence continues to inflict financial and emotional distress, impacting my creditworthiness and overall well-being. 

I urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. It is crucial to ensure the accuracy and integrity of my credit history to protect my financial reputation and future opportunities. 

Furthermore, I kindly request regular updates on the progress of the removal process and prompt confirmation once the fraudulent items have been successfully removed. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance Owed : {$150.00} ; XXXX FI XX/XX/2020.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Recently opened a XXXX XXXX  XXXX XXXX  XXXX  investment account XXXX Bank of America XXXX ). Placed a trade order XXXX XXXX XXXX XXXX within XXXX week of account opening. My account has been blocked as a result by the risk management department. I was notified only by a " account blocked, please call XXXX ''. I called and was routed to a Bank of America XXXX agent who ultimately changed my Bank of America account password. When I explained it was my XXXX  XXXX account that I couldn't access, she gave me XXXX to call. Upon reaching a XXXX  via the latter XXXX  she could only tell me my account is under review. While on hold ( I did a review search online and encountered XXXX reviews/comments/complaints within the last XXXX  months of similar occurrences. When the XXXX rep came back on, she said she didn't have more info. Upon me sharing with her my account block is likely a result of new account and recent trade activity being reviewed by XXXX risk management, she concurred. I asked for timeliness of a callback and she said she didn't know. I helped her draft an email inquiring at least when a callback would occur. She said XXXX management responded with " XXXX hours ''. The complaint is XXXX-XXXX  XXXX ) the lack of notification to the account holder that risk is detected ( even when the account holder calls, XXXX reps are still nontransparent about what the risk is and there is no opportunity for the account holder to confirm he/she initiated the activity, XXXX ) this review should have been performed at time of application ( XXXX day risk review or for another XXXX XXXX, up to XXXX weeks, or XXXX XXXX user, XXXX  months, for XXXX XXXX risk staff to respond ), the lack of more efficient operations while blocking account holder access from liquidating and removing assets seems to be punishing the account holders for XXXX XXXX 's lack of security check at the time of application. The perception is XXXX XXXX has no XXXX or delay in accepting cash in, but takes XXXX  to XXXX  to XXXX  to settle cash out. Regardless of outcome, the amount of time legitimate consumers spend tracing what this company has done with his/her deposited funds is rather unfavorable, concerning, and ironically unsettling.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Report shows this account was opened XX/XX/XXXX. The account status is paid/closed as of XX/XX/XXXX. The responsibility is as individual, and the original amount was {$310.00}. This account states that the original creditor name is : XXXX XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Report shows this account was opened XX/XX/XXXX. The account status is paid/closed as of XX/XX/XXXX. The responsibility is as individual, and the original amount was {$310.00}. This account states that the original creditor name is : XXXX XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc.
State: VT

Complaint narrative:
There is a charged off account still on my XXXX Credit Report that is XXXX XXXX XXXX since the date of delinquency and is now time barred from being reported on my credit report. I have disputed this account 5 times, showing proof of the last payment made to XXXX. After XXXX failed disputes, I called XXXX to ask how to go about getting it removed. They told me to contact the company directly. I did this and the company is telling me that they don't remove charged off accounts, that it is up to the credit agency to remove it after I dispute it. I am requesting that you help me get this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCK AND REMOVE Please act immediately to eliminate the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

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