vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: MN

Complaint narrative:
I have received correspondence by FOX COLLECTION CENTER. Upon review of the alleged debt, I have noticed that the information provided by the collection agency is considered private medical records. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). FOX COLLECTION CENTER took up to 30 days. FOX provided a medical statement but did not disclose failed to further validate the debt as requested of them. You are required to provide significant information per 15 USC 1692g and 12 CFR 1006.34C Regulation F regarding the alleged debt. Insurance, chain of assignment, and the purchase agreement regarding this alleged debt has not been disclosed as requested initially. FOX COLLECTION CENTER is in violation of 18 USC 371 and 18 USC 1001. Further proof is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: GA

Complaint narrative:
XXXX XXXX business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. XXXX XXXX has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the XXXX policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. XXXX XXXX has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX XXXX, and notice sent )

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. XXXX XXXX has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the XXXX policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. XXXX XXXX has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX XXXX, and notice sent )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
XXXX XXXX business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. XXXX XXXX has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the XXXX policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. XXXX XXXX has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX XXXX, and notice sent )

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 2024-04-11 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: TN

Complaint narrative:
I have made repeated attempts to dispute an accounts on my credit report, yet my concerns have been continually disregarded. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies promptly investigate and resolve disputes brought to their attention. However, despite my efforts to rectify this matter, I have not received satisfactory responses or resolutions from your agency. 

It is imperative that you promptly investigate this matter in accordance with the FCRA and provide me with a thorough and accurate assessment of the disputed accounts. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action to ensure my rights are upheld. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX  XXXX Balance Owed : {$1700.00}.

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 2024-04-11 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: SC

Complaint narrative:
There are XXXX hard inquiries on my TransUnion consumer report that I did not authorize and Ive called TransUnion and they say they dont dispute inquiries, and that inquiries are factual they are on my my credit report and they are not mine Im requesting them the XXXX inquiries to be deleted immediately! By law they are not supposed to report inaccurate information.if they are not deleted I will seek legal action against them.

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 2024-04-11 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: TN

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-04-11 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: MN

Complaint narrative:
I have noticed accounts in my consumer Disclosure report from EXPERIAN that has been furnished inaccurately. These inaccurate accounts contain incomplete, false, and misleading information. I am filing this complaint to ensure action is taken regarding 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Free Spirit World Elite Mastercard managed by Bank of America I signed up for this card over a year ago after the promotions offered on the flight included a companion voucher for {$100.00} and a certain number of points to be issued upon approval. Well, it's been over a year and all I have gotten is continued run around to speak to BOA and then being told by BOA to call Spirit. Over a year and the only thing I have gotten is charged the annual rate for the card. I have been told that I needed to spend {$200.00} more to get the voucher. Spent that - nothing. Called back and told I needed to spend a few hundred more. No problem, winter travel was expensive, so that was met. Still nothing. I have spent the amounts suggested in the time frames suggested and have gotten not a single thing. I want to cancel this card, but I do not want the points deducted from my credit score. My score is over XXXX and I do not want some poor excuse of a company such as Spirit being the reason why my score is lowered. Spirit doesn't honor anything they offer. I have even gotten travel vouchers for delays twice and could not book at all. When I called I was told that the tickets had to be over a certain amount and between certain dates- they were and still nothing. The agent I finally got on the phone mentioned that he could book the flight to use the voucher, but would have to charge {$25.00} or more. Makes no sense. Rewards on cards, companion vouchers, or reward vouchers are all fake with Spirit. I have called several times wasting countless hours only to be told by each company to call the other company. It's horrible as if the left hand literally doesn't know what the right hand is doing. Spirit has not honored any of their promotions and I am over frustrated. I am angry! Thankfully I saw the piece about credit card rewards on XXXX XXXX XXXX. Please help me get my rewards and close this account without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you

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 2024-04-11 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXXXXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXXXXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$1000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.

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 2024-04-11 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX **** Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXXXXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.

Company response to consumer: Closed with non-monetary relief