vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: RI

Complaint narrative:
I looked at my report from XX/XX/year> and noticed are still some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate the accounts listed below XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a inquiries I am writing to dispute the following information that appears on my Experian report as a Inquiry from XXXX XXXX  on XX/XX/XXXX, Inquiry from XXXX  XXXX on XX/XX/XXXX, Inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

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 2024-11-24 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: CA

Complaint narrative:
police report numbers : XXXX and XXXX I am writing to formally report significant issues with a credit reporting agency concerning multiple inaccuracies present on my credit report and to request the removal of this erroneous information. 
I contest the following inquiries that must be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following accounts be added back to my credit report, as they have been paid as agreed : XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX Furthermore, I must emphasize the erroneous bankruptcy filing that XXXX has claimed to verify. The XXXX XXXX XXXX has confirmed that it **does not verify information to third parties**. This situation raises significant legal concerns under both **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported, as well as my constitutional right to due process under the **Fifth and Fourteenth Amendments** of the United States Constitution . These rights guarantee that I am entitled to accurate information being reported about me and that I have the right to challenge any inaccuracies. 
Additionally, under international law principles, including those reflected in the **Universal Declaration of Human Rights ( UDHR ) ** and the **International Covenant on Civil and Political Rights ( ICCPR ) **, individuals are entitled to privacy and the protection of their personal data. The failure to rectify inaccurate information in my credit report operates contrary to these fundamental rights, thereby violating not only domestic legislation but also international standards of justice and fairness. 
Given these circumstances, I hereby request the immediate : XXXX. Removal of the inaccurate inquiries from my credit report. 
XXXX. Addition of the accounts ( XXXX XXXX, XXXX XXXX, XXXX ) that have been paid as agreed. 
XXXX. Removal of the erroneous bankruptcy filing from my consumer reports. 
I have provided a police report to the credit reporting agency substantiating my claims regarding these inaccuracies, but despite my efforts to resolve these issues directly with them, no action has been taken. These inaccuracies have severely impacted my credit score and overall creditworthiness.

Attached are copies of the police report and my correspondence with the credit reporting agency for your review.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance to ensure the rectification of my credit report in accordance with both domestic and international legal standards.

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 2024-11-24 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: CA

Complaint narrative:
police report numbers : XXXX and XXXX I am writing to formally report significant issues with a credit reporting agency concerning multiple inaccuracies present on my credit report and to request the removal of this erroneous information. 
I contest the following inquiries that must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following accounts be added back to my credit report, as they have been paid as agreed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I must emphasize the erroneous bankruptcy filing that XXXX has claimed to verify. The XXXX XXXX XXXX has confirmed that it **does not verify information to third parties**. This situation raises significant legal concerns under both **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported, as well as my constitutional right to due process under the **Fifth and Fourteenth Amendments** of the United States Constitution . These rights guarantee that I am entitled to accurate information being reported about me and that I have the right to challenge any inaccuracies. 
Additionally, under international law principles, including those reflected in the **Universal Declaration of Human Rights ( UDHR ) ** and the **International Covenant on Civil and Political Rights ( ICCPR ) **, individuals are entitled to privacy and the protection of their personal data. The failure to rectify inaccurate information in my credit report operates contrary to these fundamental rights, thereby violating not only domestic legislation but also international standards of justice and fairness. 
Given these circumstances, I hereby request the immediate : XXXX. Removal of the inaccurate inquiries from my credit report. 
XXXX. Addition of the accounts ( XXXX XXXX, XXXX XXXX, XXXX ) that have been paid as agreed. 
XXXX. Removal of the erroneous bankruptcy filing from my consumer reports. 
I have provided a police report to the credit reporting agency substantiating my claims regarding these inaccuracies, but despite my efforts to resolve these issues directly with them, no action has been taken. These inaccuracies have severely impacted my credit score and overall creditworthiness.

Attached are copies of the police report and my correspondence with the credit reporting agency for your review.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance to ensure the rectification of my credit report in accordance with both domestic and international legal standards.

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 2024-11-24 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA.

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ACXIOM CORP.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Subject : Opt- Out of sharing my Personal Information Dear Axiom Team, I am writing to formally request the deletion of all my personal information from your company 's database. I previously submitted an opt-out request online, and I would like to ensure that my information is completely removed. 

Please confirm that you will not share or sell any of my personal information. I expect a prompt response to this request, as it is important to me that my privacy is respected. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
Dispute of Inaccurate Information Under FCRA Sections 605B, 623 ( a ) ( 6 ), and 15 U.S.C. 1681c-2 please view attachment for more detail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent wire transfer involving my bank account at XXXX XXXX and my sister 's account at XXXX XXXX. 

On XX/XX/year>, I transferred {$330000.00} from my XXXX XXXX account to a fraudulent Citi Bank account ( account # : XXXX ). My sister also transferred {$90000.00} from her XXXX XXXX  account to the same fraudulent Citi account. Upon realizing the fraud, we immediately reported the incident to both XXXX and XXXX on XX/XX/year>, and both banks initiated a wire recall process for the transfers on the same day. 

After notifying our banks, we filed a report with the Internet Crime Complaint Center ( IC3 ), which is operated by the FBI, to formally document the fraud. In addition, we contacted Citi Bank the same day to report the fraudulent account and transfers ; however, Citi Bank refused to engage with us, preventing us from providing crucial information regarding the fraudulent activity. 

Given the severity of the fraud and the lack of cooperation from Citi Bank, I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and facilitate appropriate action to recover the transferred funds. I also seek guidance on further steps I should take to resolve this situation. 

Thank you for your attention to this matter. I am available for any additional information you may require.

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 2024-11-24 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: PA

Complaint narrative:
Dear Equifax Team, Thank you for completing your investigation regarding the disputed items on my credit file. However, I remain concerned about the accuracy of the reporting and the verification process. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : Details of the Verification Process : Please provide documentation from the original creditors ( XXXX XXXX XXXX and XXXX XXXX  XXXX  ) that you relied upon to verify the accuracy of the disputed items. 

Evidence Supporting Verification : Include any communications, contracts, or other evidence confirming the reported details. 

I remind you of your obligation to ensure maximum possible accuracy under the FCRA. Failure to provide verifiable proof from the furnishers may result in further escalation of this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Thank you for addressing these concerns promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
The vehicle purchased has now been inspected by the XXXX XXXX XXXX XXXX XXXX in XXXX and has been estimated to cost {$12000.00} to repair the power electronics unit, coolant pipe on control unit, blue coolant and XXXX lbs of refrigerant to start car on top of other safety issues. I had to take XXXX to work for over a week and now the car seller is saying if I pay the XXXX $ towing, they would repair the car after XXXX XXXX battery was already switched off car that was on the vehicle when purchased. I filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the XXXX. The only offer was to put a hold on first XXXX and an area XXXX would be in contact. The initial contract for the car was {$9900.00} and financed for {$12000.00} with an additional XXXX $ to repair the car. It doesnt even start.

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