vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccuracies reported by these organizations regarding my account. After reviewing my credit report from TransUnion, XXXX, and XXXX, I identified the following discrepancies that require immediate removal : 1. XXXX XXXX - Account Number  : XXXX **Discrepancies : - **TransUnion : ** Incorrectly lists the account as charged off with a balance of {$0.00} but does not reflect the accurate closing date of XX/XX/XXXX. 
- XXXX XXXX XXXX  Reports the last activity as XX/XX/XXXX, inconsistent with TransUnion and XXXX dates. 
- XXXX XXXX XXXX Missing details entirely for this account. 



2. XXXX XXXX XXXX  - Account Number : XXXX - **Discrepancies : - **TransUnion : ** Reports the balance owed as {$360.00} and lists the account as charged off on XX/XX/XXXX, which conflicts with my records. 
- XXXX XXXX XXXX XXXX last activity as XX/XX/XXXX but omits updated account resolution details. 
- **Equifax XXXX ** XXXX similar balance but incorrect last payment date of XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account Number : XXXX - **Discrepancies : ** - XXXX XXXX XXXX Reports a balance of {$220.00} as of XX/XX/XXXX, but no updated payment status or resolution is included. 
- **TransUnion and XXXX XXXX ** Do not provide sufficient details for this account, such as resolution or payment status. 
- **General Issue : ** The original creditor ( XXXX XXXX ) does not align with the account 's accurate reporting timeline or final resolution. 

4. XXXX XXXX ( XXXX XXXX  ) - Account Number : XXXX Discrepancies : -** TransUnion : Reports the balance owed as {$8800.00} but does not correctly reflect the charge-off resolution date of XX/XX/XXXX. 
- XXXX : States the last activity as XX/XX/XXXX, inconsistent with other reports. 
-XXXX : Provides an incorrect closing date and fails to list the accounts final 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 2024-12-11 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: GA

Complaint narrative:
I am writing to dispute inaccuracies reported by these organizations regarding my account. After reviewing my credit report from XXXX, Experian, and XXXX, I identified the following discrepancies that require immediate removal : 1. XXXX XXXX - Account XXXX : XXXX **Discrepancies : - **TransUnion : ** Incorrectly lists the account as charged off with a balance of {$0.00} but does not reflect the accurate closing date of XX/XX/XXXX. 
- **Experian : ** XXXX the last activity as XX/XX/XXXX, inconsistent with XXXX and XXXX XXXX. 
- **Equifax : ** Missing details entirely for this account. 



2. XXXX XXXX XXXX - Account XXXX : XXXX - XXXX : - XXXX XXXX XXXX Reports the balance owed as {$360.00} and lists the account as charged off on XX/XX/XXXX, which conflicts with my records. 
- **Experian : ** XXXX last activity as XX/XX/XXXX but omits updated account resolution details. 
- XXXX XXXX XXXX XXXX similar balance but incorrect last payment date of XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account Number : XXXX - **Discrepancies : ** - **Experian : ** Reports a balance of {$220.00} as of XX/XX/XXXX, but no updated payment status or resolution is included. 
- XXXX XXXX XXXX XXXX XXXX Do not provide sufficient details for this account, such as resolution or payment status. 
- **General Issue : ** The original creditor ( XXXX XXXX ) does not align with the account 's accurate reporting timeline or final resolution. 

4. XXXX XXXX ( XXXX XXXX  ) - Account Number : XXXX Discrepancies : -** XXXX : Reports the balance owed as {$8800.00} but does not correctly reflect the charge-off resolution date of XX/XX/XXXX. 
- **Experian : States the last activity as XX/XX/XXXX, inconsistent with other reports. 
-XXXX   : Provides an incorrect closing date and fails to list the accounts final 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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX {$30.00} overdraft fee consecutively and I reported fraud on my acct to Bank of American I was told it was something they were used to Because in Florida so many people come here to visit it as easy for people to get scammed by having there cards cloned one time I was literally at work 3 blocks from my branch bank and was charged overdraft someone was in Georgia or north Carolina had just filled there tank using a cloned card and took {$60.00} from my acct when my insurance payment was due to be taken I then had insufficient funds to pay my insurance and had to go to the bank to fix it my insurance then charged me a late fee because my funds weren't available for my payment it happened multiple times I have since closed my account there and was contacted about a class action suite I signed up but never heard from anyone since

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 2024-12-11 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: FL

Complaint narrative:
I am writing to EXPERIAN to formally address fraudulent and inaccurate information that persists on my credit file as a result of identity theft. This erroneous reporting continues to harm my credit reputation and has caused ongoing damage. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand an immediate investigation and removal of these fraudulent entries. 

The associated Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, provides comprehensive details of the fraudulent accounts in question. Upon reviewing my credit report, I identified multiple suspicious and unauthorized accounts that were opened without my consent. These entries are not only inaccurate but lack any legitimate basis or proper authorization, violating my rights under federal law.

Under Title I, Section 151 of FACTA, credit reporting agencies are obligated to ensure that all reported information is accurate and verifiable. The continued presence of these fraudulent entries constitutes a clear violation of federal law and EXPERIAN 's duties as a credit reporting agency. Furthermore, the failure to maintain accurate reporting exposes EXPERIAN to potential liability under the FCRA for non-compliance.

I request that EXPERIAN promptly conduct a thorough investigation into the fraudulent entries I have identified. I also demand that all inaccurate and unverifiable information be immediately blocked and removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to ensure compliance with the FCRA and FACTA.

Failure to address these inaccuracies within the legally prescribed timeframe may leave me with no choice but to escalate this matter. This could include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies, as well as pursuing legal remedies to enforce my rights.

Thank you for your immediate attention to this matter. I trust EXPERIAN will act swiftly and in accordance with its obligations under both federal and state consumer protection laws.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an account that was closed years ago, and settled in good standing because of the pandemi in XXXX today XXXX several different inaccuracies were reported to the credit bureaus

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: OH

Complaint narrative:
I am filing this complaint against Equifax for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inquiries were made without my written or verbal consent and do not have a permissible purpose as required under Section 604 of the FCRA ( 15 U.S.C. 1681b ). 

Violation of Verification Obligations : I submitted a dispute letter to Equifax requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize them. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, Equifax is legally required to provide verification, yet they failed to do so.

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. XXXX inaction following my dispute constitutes non-compliance with this requirement. 

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report XXXX : XXXX ) and included it in my dispute submission. Equifax is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately. 

List of Disputed Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: NC

Complaint narrative:
The company calls repeated times daily and weekly. For example : XX/XX/XXXX there were 5 calls. XX/XX/XXXX there were 4 calls. XX/XX/XXXX there were 6 calls. It is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-11 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-12-11 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: TX

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An FCRA violation refers to a violation of the Fair Credit Detailing Act ( FCRA ), a law that governs the collection, dissemination, and use of consumer credit information. You are expected to ensure that all of the information on my credit reports is 100 % accurate. Due to the harm I've suffered as a result of this FCRA breach, I am entitled to compensation, which I would prefer in the form of DELETIONS ; if not, I will have to send it to my legal counsel. I demand that the accounts mentioned in my letter be deleted right away because they are not entirely accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had an account that was closed years ago, and settled in good standing because of the pandemi in 2020, today XXXX several different inaccuracies were reported to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-12-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
There was multiple charges between XX/XX/year> to XX/XX/year> I have screenshots of every one of them that they denied me for there was XXXX deposited into my bank account from XXXX I was currently incarcerated and one of my ex-boyfriends stole my wallet out of my car while incarcerated and withdrew all the money install the money in my PayPal account and I even informed PayPal I was currently incarcerated my card was also locked and should not have been able to be used at all but there was {$2300.00} in charges stolen out my card between them dates I also have multiple emails saying that my card is locked in between them dates so why are some being allowed to be used but others being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-11 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief