vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In XXXX. Bank of America closed my account without my knowledge and without giving me any notice. In addition, the amount in the account is about more than XXXX dollars, and I have not received any refund check and progress. My name is XXXX XXXX, my account number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 monetary relief
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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 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 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 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 2024-03-16 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: CA

Complaint narrative:
It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
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 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 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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 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 I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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 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 XXXXXXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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:
On XX/XX/2024, a reinvestigation took place by EXPERIAN because I filed a complaint to the CFPB stating that I never received any disclosures in the mail 5 days after the initial reinvestigation. I requested that the accounts be removed because of the violation. Instead, EXPERIAN reinvestigated the same accounts again and finished the reinvestigation on XX/XX/2024. The accounts were reinvestigated on XX/XX/2024, and updated and verified the same day. I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my consumer disclosure report pursuant to the Fair Credit Reporting Act 15 USC 1681i ( 7 ). Under section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days receiving a consumer 's dispute. I received notification in my membership account with EXPERIAN saying the accounts listed were verified, but I would like to know what was verified. Can you send me a description of what you verified regarding this account XXXX XXXX XXXX XXXX  Account Number : XXXX Provide the description of the procedure used to reinvestigation this account. If you can't, delete this account immediately.

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 2024-03-16 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: CO

Complaint narrative:
I am not liable for this debt with XXXX. 
I do not have a contract with XXXX XXXX They did not provide me with original contract as requested. 
I demand that this account be removed from my credit report immediately. 

Date reported to my account XX/XX/year> amount {$5100.00}

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 2024-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Inaccurate Account Information** : The report inaccurately lists an account with Credit Acceptance Corporation as being 120+ days late with a balance of {$6900.00}. However, there is no detailed payment history provided, making it challenging to verify the accuracy of this information. 

3. **Collection Account Error** : The report indicates a debt in collections with XXXX XXXX XXXX with a closed collection account and a balance of {$190.00}. I have no record of this debt in collections, and I request further investigation into its validity. 

4. **Incorrect Inquiry Listings** : The report lists inquiries from XXXX XXXX  and XXXX XXXX  as hard inquiries on XXXX, but I have not authorized these inquiries. Additionally, there are discrepancies in the reporting of inquiries between the three bureaus. 

I request a thorough investigation into these discrepancies and inaccuracies, and I ask that any erroneous information be promptly corrected or removed from my credit report. Enclosed with this letter are copies of supporting documents, including proof of address and any relevant correspondence.

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 2024-03-16 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/year> ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Kikoff Inc.
State: FL

Complaint narrative:
I was trying to buy a new car I am a single mom and need transportaion I notice that my report has some damages according to the 15 u.s.c 1681 law there shouldn't be any damages on your report its a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I was trying to buy a new car I am a single mom and need transportaion I notice that my report has some damages according to the 15 u.s.c 1681 law there shouldn't be any damages on your report its a defamation to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: AR

Complaint narrative:
I would like to express my deep frustration with the repeated attempts to correct the status of several open accounts that have been erroneously marked as late. Despite my diligent efforts to rectify this issue, it persists, causing significant inconvenience and adversely impacting my creditworthiness. 

The inaccurate reporting of late payments on these accounts not only misrepresents my financial responsibility but also undermines my credibility as a borrower. As a conscientious individual, I take great care to manage my financial obligations promptly and responsibly. Therefore, it is both distressing and unacceptable to be unfairly penalized for purported late payments that do not reflect the truth of the matter. 

I have made numerous attempts to address this issue through the appropriate channels, including contacting your customer service representatives, submitting dispute forms, and providing supporting documentation. However, despite my persistent efforts, the necessary corrections have not been made, and the erroneous late payments continue to tarnish my credit profile. 

I hereby request immediate action to rectify this matter. Specifically, I expect : The accurate adjustment of the affected open accounts to reflect the correct payment history, removing any erroneous late payment notations. 
Prompt notification to the relevant credit bureaus and agencies to update my credit report, accordingly, reflecting the accurate status of my accounts. 
Transparent communication regarding the steps taken to resolve this issue and a timeline for the completion of the corrections. 
Furthermore, I demand assurance that measures will be implemented to prevent similar errors from recurring in the future. It is imperative that your organization upholds the highest standards of accuracy and integrity in its reporting practices to maintain the trust and confidence of its customers. 

Failure to address this complaint satisfactorily will leave me with no choice but to escalate this matter to regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to correct these fraud items in my credit file : 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 2024-03-16 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: AR

Complaint narrative:
I would like to express my deep frustration with the repeated attempts to correct the status of several open accounts that have been erroneously marked as late. Despite my diligent efforts to rectify this issue, it persists, causing significant inconvenience and adversely impacting my creditworthiness. 

The inaccurate reporting of late payments on these accounts not only misrepresents my financial responsibility but also undermines my credibility as a borrower. As a conscientious individual, I take great care to manage my financial obligations promptly and responsibly. Therefore, it is both distressing and unacceptable to be unfairly penalized for purported late payments that do not reflect the truth of the matter. 

I have made numerous attempts to address this issue through the appropriate channels, including contacting your customer service representatives, submitting dispute forms, and providing supporting documentation. However, despite my persistent efforts, the necessary corrections have not been made, and the erroneous late payments continue to tarnish my credit profile. 

I hereby request immediate action to rectify this matter. Specifically, I expect : The accurate adjustment of the affected open accounts to reflect the correct payment history, removing any erroneous late payment notations. 
Prompt notification to the relevant credit bureaus and agencies to update my credit report, accordingly, reflecting the accurate status of my accounts. 
Transparent communication regarding the steps taken to resolve this issue and a timeline for the completion of the corrections. 
Furthermore, I demand assurance that measures will be implemented to prevent similar errors from recurring in the future. It is imperative that your organization upholds the highest standards of accuracy and integrity in its reporting practices to maintain the trust and confidence of its customers. 

Failure to address this complaint satisfactorily will leave me with no choice but to escalate this matter to regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am writing to address the recent communication regarding the collection of a debt that has previously been reported as identity theft and subsequently deleted. It has come to my attention that you have sent a letter threatening to garnish my payments. 

I must assert that this debt is not valid, as it was determined to be a result of identity theft and has been deleted from my records accordingly on XX/XX/2022. Any attempt to collect on this debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer under the law. 

Furthermore, under 2C:21-17a of New Jersey state law , it is illegal to knowingly attempt to collect a debt that was incurred as a result of identity theft. This statute provides clear legal protection for consumers in situations such as mine.

I demand that you comply with the FDCPA, the Fair Credit Reporting Act ( FCRA ), and New Jersey state law by ceasing all collection activities related to this debt and confirming its deletion from your records within [ specify a reasonable timeframe, e.g., 10 business days ] of receipt of this email. 

Failure to comply with these laws, including 2C:21-17a, will result in legal action being taken against your agency. Any further communication or action from your agency regarding this debt will be scrutinized for compliance with these laws.

Please acknowledge receipt of this email and confirm your compliance with my demands within the specified timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CO

Complaint narrative:
I am not liable for this debt with XXXX. 
I do not have a contract with XXXX XXXX They did not provide me with original contract as requested. 
I demand that this account be removed from my credit report immediately. 

Date reported to my account XX/XX/2024 amount {$5100.00}

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