vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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:
There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Date opened- XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened- XX/XX/year>XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX Date XXXX XXXX XXXX for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: WA

Complaint narrative:
I used a Discover check of {$22000.00} to pay for the deposit for a cabin at XXXX XXXXXXXX XXXX XXXX XXXX for my use as housing. When I received the keys, I found out that the freezer/fridge was nonfunctional and was full of rotting meat that had been festering for weeks or months. The cabin requires a new fridge/freezer and professional odor cleaning. This was on XX/XX/XXXX. I signed the paperwork on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX informing them the cabin I had was not what was advertised and what I had paid for and asked to void the contract. They refused saying I had three days to void the contract, which had expired XX/XX/XXXX, before I even had access to the cabin. 

I spoke with Discover to dispute the charge for fraudulent activity and they informed me nothing could be done. I need my money back to find alternative housing and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$20000.00}

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 2024-11-05 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Charge off was not placed on account after 180 days of delinquent nonpayment charge off was placed years after last delinquent nonpayment has been in charge of status for more than XXXX years still appearing on credit file and background checks requesting account to be completely removed due to statue of limitations due to charge off charge-off not being accurately placed in a timely manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
This account was charged off on the following date : XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : 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 2024-11-05 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: Informative Research
State: CA

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES WERE OPENED AND MADE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I AM A VICTIM OF IDENTITY THEFT. 




XXXX XXXX. 

XXXX XXXX XXXX XXXX Account # XXXX, - High Balance : {$32000.00}, Date Opened : XX/XX/XXXX, Account Type : AUTO LOAN Account # XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Profit and loss write-off Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 60 Month ( XXXX ) Past Due Amount : {$13000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} XXXX. 

XXXX - Account # XXXX - High Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$2000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : XXXX XXXX XXXX Last Payment XXXX -- Past Due Amount : -- Account Type : -- XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$55.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Personal Loan Companies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the XXXX XXXX. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$30.00} Account Type : Charge account Payment Frequency : -- Credit Limit : {$750.00} CREDIT Inquiries : Creditor Name Date of Inquiry Credit Bureau INFORMATIVE XX/XX/XXXX XXXX INFORMATIVE RESEARCH I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05 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: MI

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has been 101 days after my initial dispute submitted on XX/XX/year>, and the credit bureaus still haven't taken any action. I have a legal right to dispute inaccurate items on my credit report, and by law, the bureaus are required to comply and address these errors. Their inaction not only goes against the Fair Credit Reporting Act, but it also continues to negatively impact my financial well-being. I have repeatedly sent documentation, and yet Im seeing no compliance or correction on their part. This delay and disregard are unacceptable and a clear failure to fulfill their responsibilities. XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last activity date. UPDATE TO NEVER LATE. XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last reported date. UPDATE TO NEVER LATE. XXXX - XXXX - Unverified account, incorrect account type, incorrect high balance, incorrect account rating, incorrect limit, incorrect payment history. PLEASE DELETE. XXXX XXXX - XXXX - Unverified account, incorrect last activity date. PLEASE DELETE. XXXX XXXX - XXXX - Unverified account, incorrect high balance, incorrect last activity date, incorrect last reported date. PLEASE DELETE. XXXX - XXXX - Unverified account, incorrect high balance, incorrect account rating, incorrect payment history, incorrect date of last activity, incorrect last reported date, incorrect date of last payment. PLEASE DELETE. XXXX - XXXX - XXXX account, incorrect high balance, incorrect account rating, incorrect limit, incorrect date of last activity, incorrect payment history. PLEASE DELETE. I am attaching all the letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.

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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX DOB : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I pulled my early warning services consumer report and noticed there are several inaccuracies reporting that do not belong to me. I have never opened an account with Bank of America and I would like these removed from my Early Warning Services consumer report as soon as possible. 

Account # : XXXX Account # : XXXX Account # : XXXX Account # : 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 2024-11-05 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 explanation
Consumer complaint received 2024-11-05 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 request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting agencies for validation and verification of their reportings and they have failed to do so. Its been over 45 days and at this point I must demand for those attached accounts to be removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting agencies for validation and verification of their reportings and they have failed to do so. Its been over 45 days and at this point I must demand for those attached accounts to be removed. 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 605C related to a human trafficking submission I made. On XX/XX/year>, Equifax received my submission, which required them to block adverse information from my credit report within four business days as mandated by law. Despite this requirement, Equifax has failed to act or communicate with me about this matter. 

Attached is documentation, including the CFPB Complaint, which confirms that Equifax received my submission on XX/XX/year>, but has not complied with the FCRA 605C requirements. 

I am requesting that the CFPB take action to hold Equifax accountable for this non-compliance and ensure my rights under the FCRA are protected. 

Thank you for your attention.

Company response to consumer: Closed with explanation