vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information. 
I have attached a copy of my Identity Theft Report, as well. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America sent me a single piece of paper in the mail stating I owed them money. They did not disclose that it was an attempt to collect a debt. I then asked for verification and validation and did not receive anything from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have paid and have receipts and ftc reports and police reports the bureaus are still leaving this charged off account of my report which is hurting my score please remove this immediately XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX  XXXX. Date of Inquiry : XX/XX/XXXX. 
- Company : XXXX XXXX. Date of Inquiry : XX/XX/XXXX. 
- Company : XXXX XXXX. Date of Inquiry : XX/XX/XXXX. 


Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report. 

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being. 

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: WI

Complaint narrative:
On or prior to XX/XX/year>, provided harmful information to my Credit Card Company which resulted in my credit limit to be lowered without any delinquency on the account itself. This was done without my written consent in violation of 15 USC1681 b ( 2 ). 
On XX/XX/year>, I called Trasns Union and spoke to XXXX XXXX Senior Supervisor and on a recorded line told me they are acting as an unauthorized third-party in my contract, and have interfered in the performance of contract, they could not provide me with any document with my signature giving them consent nor could they provide me with the contract between myself, trans union and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have a fraud alert on my account all my information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX account dont belong to me I have ftc report also police report and even paid the balance off its still on my three credit reports please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: NC

Complaint narrative:
XXXX XXXX XXXX  account dont belong to me I have ftc report also police report and even paid the balance off its still on my three credit reports please remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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:
After reviewing my XXXX XXXX, I found several instances of late payments on an account for which I have always made timely payments. XXXX XXXX Agencies are essential for accurately reporting consumer information, and it is crucial that this information is reported with the highest level of accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX, Account 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 request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, showing the alleged late payments. If you are unable to provide such proof, I insist that these payments be promptly updated to reflect their true status as on-time, as I have consistently fulfilled my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX  ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received a hard inquiry notification from XXXX XXXX. After checking, it was from a Concora Credit Indigo Mastercard. I received another email from Concora credit stating that the account was successfully registered. After calling concora, I confirmed somebody opened a credit card using my social security number and without my consent. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account Number : XXXX Balance : {$1400.00} XXXX XXXXXXXX Account Number : XXXX Balance : {$3300.00} XXXX Account Number : XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
I recently obtained a copy of my Transunion credit report ( File number XXXX XX/XX/XXXX ). I'm requesting a thorough and detailed investigation of the following account XX/XX/XXXX XXXXXX/XX/XXXXXXXX. This account is reporting several " Inaccurate and incomplete information ''. I'm requesting that this report be updated to reflect that the account has never had a late payment, or please have the reporter verify with documentation that this account has been late. 

1. Rating is reporting 30 days late for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. However, this is not consistent with what is being reported in the section " Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX. And the section " Pay Status : Paid, closed ; was paid as agreed, {$0.00} per month, paid monthly for 78 months. The maximum delinquency and Rating sections should reflect NO DAYS LATE, PLEASE UPDATE. 

2. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " BALANCE '' for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This section should have a balance or {$0.00} 3. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " SCHEDULED PAYMENT for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

4. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " AMOUNT PAID '' for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This section should have the amount actually paid to creditor or {$0.00} 5. This account is reporting inaccurate and incomplete information, when Transunion fails to report the " PAST DUE '' for : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This section should have {$0.00} This reporting is a violation of 15 U.S.C. 1681e : Compliance Procedures : CRAs must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year> I wrote Bank of America and told them to stop contacting me by specifically using the language in section 805 ( c ) of the FDCPA that requires all communications to cease and desist. I sent the letter certified mail and it arrived on XX/XX/year>. 

I just received a letter from Bank of America today, ( XX/XX/year> ), that is dated XX/XX/year>. This is a clear violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: PA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information. 
I have attached a copy of my Identity Theft Report, as well. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXXXXXX FELLOW, XXXX XXXX AS A CLINICAL XXXX FELLOW FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX AS A XXXX FELLOW FROM XXXX UNTIL XXXX, AND XXXX AS A XXXX XXXX FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX SINCE XXXX UNTIL PRESENT. My credit report was inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX  UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXXXXXX FELLOW, XXXX XXXX XXXX XXXX XXXX XXXXXXXX FELLOW FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FROM XXXX UNTIL XXXX, AND XXXX AS XXXX XXXX XXXX  FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX SINCE XXXX UNTIL PRESENT. My credit report was 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 explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

Company response to consumer: Closed with explanation