vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
Formal Complaint Willful Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) Regarding False Reporting of XXXX XXXX Account # XXXX I am submitting this complaint regarding the false and willful reporting of a XXXX XXXX account ( # XXXX ) on my credit report by [ insert the credit bureaus in question, e.g., XXXX, XXXX, and TransUnion ]. The account in question is completely inaccurate and baseless, as I have no existing child support case or obligation. The reporting of this account not only damages my credit standing but also directly violates the Fair Credit Reporting Act ( FCRA ), specifically under sections related to the duty to report accurate information and conduct reasonable investigations. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information on consumer reports. By allowing this erroneous account to appear on my report, the credit bureaus have failed in this statutory obligation. Furthermore, their failure to remove this account after I previously disputed it indicates a lack of reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Additionally, the willful and reckless nature of this reporting constitutes a violation of 15 U.S.C. 1681n, exposing the credit bureaus to liability for damages, statutory fines, and attorneys fees. The reporting of this account also creates unwarranted financial harm, as it misrepresents my creditworthiness and undermines my ability to access credit, housing, and other necessities. 

I am requesting the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their blatant disregard of federal law. Specifically, I ask that : This XXXX XXXX account ( # XXXX ) be permanently deleted from my credit file across all reporting agencies. 
The credit bureaus provide documentation of their procedures and investigations into this account as required under the FCRA. 
The CFPB impose appropriate penalties on the credit bureaus for their willful noncompliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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:
I would Like to file a complaint regarding an account reporting to my credit report without my knowledge or authorization. Specifically the account in question is XXXX XXXX XXXX XXXX account number XXXX which has been reported as an Authorized User on my credit report with a duplicate account number as my actual XXXX XXXX account. I did not consent to this Authorized User account. This inaccurate reporting violates my rights under the Fair credit Act particularly the following laws 15 U.S.C.1681e ( b ) and 15 U.S.C 1681i ( a ) I have also attached below a copy of my credit report showing both accounts with the same account number, One showing the responsibility ( Individual ) which this account would be accurate However the account showing the responsibility of ( Authorized User ) is not mine and I would like to have this account removed immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
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 collections account opened at MERCHANTS CREDIT GUIDE on XX/XX/year> under the account number of XXXX with a balance of {$1800.00} that appears related to fraudulent medical billing account opened at XXXX XXXX XXXX. This account has resulted in a fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned collection as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection is indeed the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer collection is indeed the result of identity theft and fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: OR

Complaint narrative:
Interest charged on these loans is predatory and I've already made more payments back to them than the original balance and they still say i have over {$1000.00} to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had set up Autopay on my Wells Fargo credit card to pay the full amount every time, so I don't always check my balance. 

But for some reason my Autopay was turned off a few months ago ( I didn't change anything in my Wells Fargo account or the bank that the payment came from ) and now I've been charged almost {$1000.00} in interest. I'd like to request a refund for this interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Equifax for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : Company Name : Equifax Company Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : ( XXXX ) XXXX ( Equifax ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { US BANKRUPTCY COURTXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to Equifax requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX my car was totaled when I was hit by another driver. On XX/XX/XXXX, XXXX issued an electronic payment to pay off the remaining balance of the vehicle to Mazda Financial. 

On XX/XX/XXXX, Mazda Financial attempted to reach out to XXXX and let them know that they would prefer to have the funds sent via check due to a capabilities discrepancy. On XX/XX/XXXX they contacted XXXX again. On XX/XX/XXXX I reached out to Mazda Financial after noticing that my account still showed an outstanding balance.

Over the phone, Mazda acknowledged that they received the funds electronically but claim they have had trouble accessing them due to a capabilities discrepancy. This is especially confusing considering Mazda Financial is related to Toyota Financial, who accepts electronic payments. When I called Mazda Financial and asked them for assistance ( with particular concern over the fact that a late payment from XXXX would be soon be reported to my credit bureau ), they refused to freeze the loan or assist in any way and insisted that the only thing that could be done to resolve the situation was to have our insurance company mail them a physical check overnight or to make an additional payment on my loan that might be paid back to me in 30-60 days once the payout situation was resolved.

The lack of communication from Mazda Financial has been alarming. Mazda Financial has been unwilling to work toward a solution for the consumer. I have spoken with 5 different representatives and every interaction has provided incomplete or conflicting information. While our insurance company has done everything it can to help wherever possible, Mazda Financial has done nothing but leverage a negative credit report over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: 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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: 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.

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 2024-12-09 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: NY

Complaint narrative:
There was a hard inquiry on my TransUnion credit report From XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one 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 I noticed unauthorized inquiries on my report or I believe someone applied for something in my name according to the FCRA legally, these unverified and unauthorized item must be removed immediately no, I did not contact them and I dont want to freeze my account I will do that on my own time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Issue : Ford Motor Credit Company has unlawfully manipulated my credit report and violated the Fair Credit Reporting Act ( FCRA ) by : Reaging a charge-off account on my credit report. 
Penalizing me for disputing the charge-off by causing a XXXX drop in my credit score without justification. 
Description : On XX/XX/XXXX, I reviewed my XXXX credit report and observed that a charge-off account from Ford Motor Credit had been updated with changes to its payment history. This alteration occurred following my lawful dispute of the account, which should not result in punitive measures or changes that harm my credit score. Attached, I will include the following evidence : Screenshots of my credit score before and after the dispute showing a drastic and unjustified XXXX drop. 
Comparisons of my XXXX credit report before and after the dispute, highlighting the altered payment history. 
These actions are violations of the FCRA, as creditors are prohibited from " reaging '' accounts or altering account history to extend negative reporting periods. Additionally, penalizing consumers for exercising their legal right to dispute information under the FCRA constitutes an unfair practice. 

FCRA Violations and Supporting Case Law : Reaging Account History The FCRA ( 15 U.S.C. 1681c ( a ) ) specifies that negative information, such as charge-offs, may only remain on credit reports for up to seven years from the original delinquency date. Reaging a charge-off or manipulating its payment history is prohibited. 

Case Reference : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) : XXXX was found liable for inaccurate reporting practices and fined for reaging an account. 
Punishment for Dispute Consumers are protected from punitive credit reporting practices for filing disputes under the FCRA ( 15 U.S.C. 1681i ). 

Case Reference : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : XXXX paid damages for failing to investigate disputes accurately and penalizing the consumer. 
Failure to Correct Errors After Dispute The FCRA requires creditors and credit bureaus to conduct a reasonable investigation and remove or correct inaccuracies promptly. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX was penalized for not promptly addressing consumer disputes regarding inaccurate reporting.

Company response to consumer: Closed with explanation