vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-09-24 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Reporting Under FCRA Dear Experian, I am writing to formally dispute the reporting of negative information associated with my previous address, XXXX XXXX XXXX XXXX XXXX XXXX, as it no longer pertains to me. Under the Fair Credit Reporting Act ( FCRA ), I request that this information be removed from my consumer report Immediately Relevant Laws : Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c ( a ) : This section states that consumer reporting agencies may not report negative information after seven years. Additionally, information that is obsolete or inaccurate must be removed.

- 15 U.S.C. 1681i : This section grants consumers the right to dispute information in their credit report and requires agencies to investigate these disputes. 

Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt.

Privacy Rights : - Gramm-Leach-Bliley Act ( GLBA ) : This law emphasizes the importance of maintaining consumer privacy regarding personal financial information. 
- Right to Financial Privacy Act : Protects the confidentiality of consumer financial records.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) of this section, a consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) To a person whom it has reason to believe intends to use the information in connection with the employment of the consumer.

15 U.S.C. 1681c - Information excluded from consumer reports This section outlines what information can not be reported, including obsolete information. If an address is no longer associated with the consumer, it should not be reported. 




Given that the address in question is no longer associated with me, I assert my right to privacy and the protection against the reporting of outdated or irrelevant information. This situation may have a negative impact on my creditworthiness and violates my rights under the aforementioned laws. 

I request that you promptly remove this information from my credit report as it is inaccurate. 

Thank you for your attention to this important matter. I look forward to your prompt response within the timeframe established by the FCRA. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-24 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: AL

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account Number : 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 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I bought a fairly used XXXX Honda XXXX XXXX in XX/XX/XXXX with XXXX miles on it. I got 2 recalls by Honda the first one was within my 2 year ownership, nothing was refunded by Honda financial per the NYS lemon law .The Monthly car note is {$640.00} which consist of principal and interest and all fees for a duration of 72 months my first car note started XX/XX/XXXX my loan maturity / end would have been XX/XX/XXXX. During XXXX they gave us 2 months note free break, Which extended my loan to 74 months instead of 72 which run the maturity date to XX/XX/XXXX. As of today XX/XX/XXXX I have 3 months remaining of {$640.00} each month {$640.00} X XXXX = {$1900.00} PLUS {$450.00} late fees total = {$2300.00} owing to Honda Financial. As of today per Honda Financial report is saying my pay off balance is {$3400.00} That's an additional Balance {$1000.00} i called a customer service rep namely XXXX is saying its daily interest which is a lie as all my interest and payment is all included in my car note, how is that even possible i need your help as i feel am being ripped off. Attached are the documents for the same

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Calling into capitol one phone number listed on back of card for a fraudulent charge question I could not speak to a live agent without disclosing income and social security number to automated system. In addition they asked about alimony, child support and loan amounts which were not relevant to my account. I have no loans, children or ex-wives. 

No direct lines or last names provided by live agent once you get through. 

I filed a complaint and received case number only when I pushed agent, XXXX -Fraud and dispute manager, to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-24 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: AZ

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

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 2024-09-24 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-24 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-24 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: AL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.

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 2024-09-24 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: AL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have called Equifax multiple times requesting information for addresses that do not belong to me be removed. The most recent call was made on today, XX/XX/year>. I spoke with a supervisor requesting why the addresses that do not belong to me keep showing up on my credit reports. He insisted on telling me that a lender is reporting this information. Again was told today that I would have to provide additional information showing my current address which I have provided by mail and email multiple times. One manager insisted earlier this morning that I would have to start another dispute that would take 30 days. One manager that I spoke to in XXXX reassured me that the incorrect addresses would be removed within 48 hours. The service at Equifax has been very unprofessional. I have been put on hold just to be hung up on, managers are very rude and argumentative, just a very unprofessional experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-24 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: TX

Complaint narrative:
To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX XXXX regarding a collections account for XXXX XXXX. I believe there is a misreporting of the amount owed. 

The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX Amount Reported : {$1100.00} I am requesting that this item be removed entirely from my credit report or that you provide me with proof of the debt, including detailed information such as dates of purchases and amounts for each purchase.

Please investigate this matter and delete the disputed item ( s ) as soon as possible. I appreciate your prompt attention to this matter. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: WI

Complaint narrative:
On the morning of XX/XX/year> I received texts in rapid succession from 4 numbers related to a loan request that I did not initiate. In each case I replied STOP and then received the next text from a different number. In one case I was advised to STOPALL, which I did. 
I then received an email from Transunion advising that a credit inquiry had been run. 
I was able to see an unauthorized inquiry on my account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX I called XXXX XXXX XXXX XXXX XXXXXXXX to advise that I did not apply for credit. They advised me that I was approved through an online application. I have not filled out any requests for a loan in years. They agreed to investigate saying that they would get back to me in 5-7 business days.

I put a freeze on my Transunion 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 2024-09-24 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 explanation
Consumer complaint received 2024-09-24 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: OH

Complaint narrative:
I recently filed an identity theft report with the Federal Trade Commission because my identity information has been breached and credit inquires are being made without my consent. Since my last notice of identity theft, there are additional inquiries reporting with Equifax that do not relate to me and that should not be reporting on my credit report. I am seeking remedy to have the fraudulent inquires permanently deleted from my credit report and file within 4 business days as required under FCRA Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CT

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
Equifax Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXXXXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXcorrect Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX  INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX, XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief