vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute fraudulent information that has appeared on my credit report, which is the result of identity theft. Upon reviewing my credit report, I noticed accounts and inquiries that I did not authorize and are not associated with any of my actions or accounts. 
The specific account and inquiries in question : XX/XX/XXXX Account Number : XXXX - Opened on XX/XX/year> XX/XX/XXXX ( Navy Federal Credit Union ) Account number : XXXX XXXXXX/XX/XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX I request that you thoroughly investigate these discrepancies as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under federal law, I am entitled to a prompt investigation and resolution of disputes regarding inaccurate or fraudulent information on my credit report. 
As a victim of identity theft, I have taken the following steps : Filed a Police Report A report of identity theft has been filed with XXXX XXXX Police XXXX, # XXXX Placed a Fraud Alert A fraud alert has been placed on my credit file with all three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) as per my rights under the Fair and Accurate Credit Transactions Act ( FACTA ).

Requested a Credit Freeze I have taken steps to protect my credit by freezing my credit report, preventing further unauthorized access.

Under the FCRA, you are required to investigate disputed information within 30 days of receiving this dispute and provide me with the results in writing. Additionally, if the fraudulent information can not be verified, it must be removed from my credit report. I expect XXXX to comply with these legal obligations and ensure that my credit report is corrected as soon as possible. 
Please provide me with a copy of the results of your investigation, along with any documentation that supports the legitimacy of the items under dispute. If the investigation confirms that the disputed items were the result of identity theft, I request that XXXX take immediate action to remove these items from my credit report. 
If further documentation is needed, please do not hesitate to contact me at the phone number or email listed above. I appreciate your attention to this matter and your cooperation in resolving this issue as quickly as possible. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Creditors Bureau Associates
State: GA

Complaint narrative:
My credit report was a part of the recent security breach and has caused unwarranted and solicited harassment from creditors that have gained my information through this breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX in Dispute : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance : {$0.00} Late/Open

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 2025-01-05 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Every inquiry on my credit report is wrong and incorrect. Because my information has been breached with XXXX XXXX others.

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 2025-01-05 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-05 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: CORELOGIC INC
State: MI

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. I recently discovered that I have been a victim of identity theft, and as a result, several inquiries have been made without my knowledge or consent. 

I have never applied for credit or authorized these companies to access my credit file. These inquiries are a direct result of fraudulent activity, and I kindly request their immediate removal from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution.

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 2025-01-05 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: U.S. BANCORP
State: MI

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. I recently discovered that I have been a victim of identity theft, and as a result, several inquiries have been made without my knowledge or consent. 

I have never applied for credit or authorized these companies to access my credit file. These inquiries are a direct result of fraudulent activity, and I kindly request their immediate removal from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution.

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX was a victim of the nation wide XXXX data breach, my personal information was used to purchase rental vehicles from XXXX  on XX/XX/XXXX ( {$4000.00} ) ( Dispute case # XXXX ), XX/XX/XXXX ( {$760.00} ) ( Dispute case # XXXX ) and XX/XX/XXXX ( {$490.00} ) ( Dispute case # XXXX ). 
My credit card company APPLE CARD, Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA failed to investigate the fraudulent card pursuant to their own internal policies for handling consumer billing disputes. 
Apple Card, failed to arbitrate the dispute per consumer contract agreement upon the consumer request. 
Apple Card fraudulently informed the consumer that if he made payments to the card while the dispute was pending he would have access to his available credit.

When the consumer made two {$1300.00} payments he was shortly thereafter blocked from using his available credit card.

Apple Card still has refused to refund his {$2600.00} payment after they blocked his available credit limit upon his request. 
Apple Card has refused to provide the consumer with a copy of their written internal consumer billing dispute investigation policies and procedures. 
Apple Card has hidden dispute cases where XXXX XXXX has won allowing him to to have access to his credit limit while his dispute is pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
This account is listed on my credit report and I was a victim of identity theft. I tried to email them all of my information however their website doesn't allow you to do so? I am demanding that this account be removed immediately. The bill is for XXXXXXXX XXXX All other creditors have deleted the alleged accounts and this bill is still showing up.I am willing to file suit against them and XXXX for inaccurately reporting an account that was investigated and found to be ID THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC
State: NY

Complaint narrative:
I disputed a claim of debt not owed to a primary debtor XXXX XXXX, aka XXXX, on XXXX. On XX/XX/scrub>XXXX XXXX investigated my dispute and XXXX XXXX, as a result from Experians XXXX, XXXX removed and deleted any claim of outstanding debt due them from me and from any and all of my credit reports ( XXXX, XXXX, and XXXX ). 
On XX/XX/XXXX, I received an email from the following companies which are XXXX XXXX XXXX and Velocity Investments claiming that I owe them the balance they claim was due to Tally, which was resolved, deleted and removed on XXXX by primary Debtor ; has already been verified by XXXX, who communicated directly with the primary Debtor who agreed to removed any and all claims of debt owed from all three credit reporting entities. 
I have proof of all communication verifying the results of dispute resolution between XXXX, XXXX, and myself. 
I am requesting your organizations intervention in assisting me in protection against this predatory attempt to erroneously discredit my credit history with their actions to seek a collection of debt not owed to the primary debtor, XXXX XXXX, aka XXXX, which was verified with accuracy from XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This company has two accounts showing under my name. I was a victim of identity theft which was reported to the FTC. The company has refused to manually remove these items from each credit bureau resulting in the damaging and misuse of my credit report. This is a violation of 15 U.S.C. 1681 et seq. Please delete them items manually and report them as fraud to all of credit bureaus and original creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on XXXX XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payment updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Please be advised that I am disputing a collection that is reporting negative on my credit report. They are in violation according to the following codes. I am requesting this is removed from my report immediately. 

XXXX ) The collection agency has not provided valid information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on my credit report.

2 ) I was not given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3 ) The collection agency is violating my consumer rights by using misleading, misrepresenting, and deceptive information on my credit report.

4 ) The collection agency has no authority to furnish information to a consumer reporting agency without providing all disclosures required by law and they are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Never got a chance to use my card before they locked it down for failed attempts to login supposedly but I use Face ID to log in and not once have had a failed attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
Please see attachments for XXXX XXXX  Self-Attestation letter signed by my XXXX XXXX Case worker, and victim letter listing accounts to be deleted. Also attached are documents for proof of identity. 
The items you requested to provide via the letter you sent me. 
1. Self attestation letter signed by agency 2. Proof of identity ( Drivers License ) I also provided a copy of my bank statement to help with proof of identification.

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