vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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 writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX accounts , specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies. 

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA. 

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, consent, inquires Midwest Resale Specialis Opened : XX/XX/, Reported : XX/XX/. Midwest Resale Specialis Opened : XX/XX/, Reported : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA/BAC loans and XXXX XXXX under all known subsidiaries plus with the aid of government resources plus bankruptcy fraud used my property and my identity on property loans that have continued to force my property into fictitious foreclosures that are not investigated by any oversight. 

BAC LOANS with dozens of individuals did participate in loans schemes without my knowledge and outside of regulations of SEC for no less than one decade. 

Bank of America to Pay {$16.00} Billion in Historic Justice Department Settlement for Financial Fraud Leading up to and During the Financial Crisis BAC LOANS with Countrywide have been investigated, sanctioned and fined for all types of violations under financial fictitious loans schemes, and consumer frauds. 

Bank of America BAC has been hit with substantial financial penalties that amount to {$250.00} XXXX. 

CFPB Fines XXXX XXXX  {$37.00} XXXX for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customers The bank pressured employees to sell, leading them to access credit reports and open accounts without permission XX/XX/XXXX  This includes {$100.00} XXXX in customer reimbursements and {$150.00} XXXX in fines due to a trio of unsavory practices involving overdraft fees, withholding credit card rewards and opening unauthorized accounts.6 days ago Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX  must make harmed customers whole and pay a {$37.00} XXXX penalty.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX XXXX XXXX specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies.

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA.

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

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 non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX XXXX XXXX specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies. 

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA. 

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report.

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 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My Identity was stolen. A Capital One Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted Capital One several times. I have sent a certified letter with information they requested. I have followed up with company by phone. Capital One will not give me any information about charges or how the account was opened. The information Capital One says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. 
The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud Late XXXX of XXXX information is with the Postal Inspector XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until Capital One. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with XXXX XXXXXXXX XXXX. I let XXXX XXXX know these were fraudulent charges and sent over to them the information needed to prove fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint again XX/XX/2023 but it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
Dear U.S. Bank Customer Service, I am writing to bring an important issue to your immediate attention. There appears to be incorrect or incomplete information related to an authorized user, XXXX XXXX, on my credit card account the timely payments are not reporting on his credit report and need to be reported. I kindly request your immediate action to rectify this matter. 

My details for your reference : Account Holder : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX card : XXXX Authorized User details for your reference : Authorized User : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Attached to this letter, you will find all necessary documentation to verify both my and XXXX XXXX XXXX ' identities. The documents include : A copy of my government-issued identification A copy of XXXX XXXX XXXX XXXX government-issued identification Proof of address for both parties I would like to request that you update our records and correct any inaccuracies as soon as possible. Mistakes such as these can have a significant impact on our credit histories, making it essential to address them promptly. Please confirm in writing once the required corrections have been made. 

The Fair Credit Reporting Act stipulates that you have up to 30 days to investigate and rectify any inaccuracies. However, due to the sensitivity and potential impact of this issue, I request that you expedite this process. 

Thank you for your immediate attention to this matter. Should you require further information or clarification, please feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX Attachments : Verification Documents

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