vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Reviewed most recent credit report and I noticed a charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681 ( e ) this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-04 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: MO

Complaint narrative:
I have attempted months ago prior to this complaint to call and send in a letter but Experian is showing some addresses on my report that are incorrect and according to 15 USC 1681a-1 " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. The incorrect/non mailable addresses are : XXXX XXXX XXXX XXXX MO, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO, 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 2024-10-04 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: GA

Complaint narrative:
Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me XXXX XXXX XXXX in interest every year and ability to obtain new credit to purchase a home.

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 2024-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I recently pulled my Consumer Report and found a company by the name of Hunter Warfield on all three Consumer Reports which is a violation of my rights, which the company is violating the No-Parking law under 15 USC 1681 PLEASE REMOVE ASAP from all the CONSUMER REPORTS THIS COMPANY IS BRINGING HARDSHIP TO ME AND MY FAMILY AND ME BEING ABLE TO REACH MY GOALS FOR THE FUTURE.i am seeking a {$1000.00} more per violation..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: Synovus Bank
State: TX

Complaint narrative:
My account has been closed since XX/XX/XXXX. The last payment made was XX/XX/XXXX. The company has reported recent missed payments for the month of XXXX and XXXX of this year ( XXXX ). After months of disputing and sending fax and mail and all the requested documents, the problem is still there. Ive spoken to over XXXX different supervisors and not XXXX of them are able to help me. They keep saying that the " back office '' is who handles credit reporting and the only way to contact them is through fax. Every month since XX/XX/XXXX, the " back office '' or First progress correspondence team has promised that id have to wait until the XXXX for this account to be removed from my credit profile.They are aware that there is no way that there can be no recent activity on an account that has been closed for XXXX. Its been 5 months that I've been waiting for the XXXX, and every time the XXXX passes I call and the supervisors have no idea what I'm talking about. They then proceed to " escalate '' the matter to the back office to which then they respond by saying I have to wait until the XXXX once again. The latest update has my credit report reflecting XXXX missed payments for XXXX and XX/XX/XXXX. So instead of erasing this account for inaccurate and incorrect reporting, they have made the late payments as recent as possible, causing my credit score to drop over XXXX points through no fault of my own. I am seeing first progress and I need them to delete this account because what they are doing is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: GA

Complaint narrative:
There is unauthorized Hard inquiries on my report .I called Transunion to remove them these are the list .of the XXXX. XXXX XXXX XXXX XXXX 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 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I do not owe any amount of money to any entity, business, corporation, or individual. I continuously and repeatedly receive phone calls from XXXX XXXX XXXX. I have no relationship of any kind with the entity using XXXX XXXX XXXX. This entity is described as a debt collection agency.

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 2024-10-04 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: CA

Complaint narrative:
I am writing to formally dispute the information reported on my credit report regarding an account with XXXX XXXX, referenced by account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute inaccurate information that appears on my credit report. 

The account in question does not belong to me. I have never opened or been a member of XXXX XXXX, nor have I authorized anyone to open an account on my behalf. The account is associated with a XXXX XXXX XXXX New York area code number, and I have never lived in or visited New York XXXX I received a letter regarding this account at my mailing address, which I am also unaware of and a violation of my rights I have attached pictures with the phone number and account number XXXX to track payments and what banks make them to the number I provide about to find the person responsible. I have no credit/debit card link to any payment or service to that number or account mentioned above. This may be a case of mistaken identity or fraud. I urge you to investigate thoroughly and locate the person responsible for this account. 

Following FCRA regulations, I request a thorough investigation into this matter. Please provide me with documentation verifying the authenticity of this account, including any contracts or agreements bearing my signature. If you can not provide such documentation, I expect this account to be removed from my credit report. 

Please confirm receipt of this dispute and inform me of the outcome of your investigation. I expect to hear from you within the XXXX time frame mandated by the FCRA. 

Thank you for 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 explanation
Consumer complaint received 2024-10-04 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: Affirm Holdings, Inc
State: IA

Complaint narrative:
this is the letter i have sent multiple times with no response Dear Sir or Madam, I am writing to formally request benefits under the Servicemembers Civil Relief Act ( SCRA ). I have submitted this request three times previously but have not received any acknowledgment or response from Affirm. 

As an XXXX XXXX servicemember, I am entitled to certain protections and benefits under the SCRA, codified at 50 U.S.C. 39014043. These benefits are crucial in assisting me to manage my financial obligations while serving our country.

I have already mailed a physical copy of my military orders to your office to verify my XXXX XXXX status. I kindly ask that you review my request promptly and provide confirmation of receipt. If additional information or documentation is required to process my request, please inform me at your earliest convenience. 
Please be advised that failure to comply with the SCRA may result in legal consequences under federal law. Under **50 U.S.C . 3912**, financial institutions are obligated to provide certain protections to servicemembers. Non-compliance can lead to civil penalties, including fines, damages, and coverage of legal fees. If I do not receive a response within 14 days, I will have no alternative but to consider pursuing further legal action to ensure my rights under the SCRA are upheld. 

I appreciate your attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: AL

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 2024-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
There are unauthorized inquiries on 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 2024-10-04 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: TN

Complaint narrative:
I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.

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 2024-10-04 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

In addition, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : 1. Barclays Bank Delaware - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/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 2024-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I reached out to TDRenovate credit card company to get a settlement offer. I was told they no longer own my account and that XXXX strategies do. I called them and they transferred me to XXXX XXXX XXXX, they informed me the account was closed and zeroed out and they can not access it either. I asked could I have a letter in writing, they told me no. If no ones owns this debt this should be removed and zeroed out on my credit history. It is holding my process on making a larger process

Company response to consumer: Closed with explanation