vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: MD

Complaint narrative:
I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Wrong name and address This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my Experian credit report by XXXX XXXX. The account in question, account number XXXX, does not belong to me and is incorrectly attributed to my credit history. This is not being reported on XXXX or XXXX, only Experian. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information. 
Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX XXXX, report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial stress.

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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America recently sent me a letter end of 2023 stating my claim was approved in my favor but going to check for the funds they were not there. 

We came to the conclusion that My funds were stolen, my id ( was left sitting at my doorstep a week later ). Birth certificate and debit card, along with other gov items were stolen. Like my social security card. And never returned I sent Bank of America police reports and identity theft paper works to let them know this really happend. 

I think because its such a big amount they dont want to pay out. Which seems illegal. 

Ive given proof. 

This company ( BofA is affecting my life. 

This was my unemployment money to help me get on my feet and its being played with. 

Please help me fix this, I will be contacting other legal regulators as well

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 2024-05-21 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:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name. 

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.

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 2024-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have two American Express pre-paid gift cards totaling {$5000.00}. Both cards are active and valid as confirmed when I called customer service on a number of occasions. On Monday, XX/XX/XXXX, I tried to pay for an order at XXXX XXXX but both cards were declined. First I tried in the store, swiping the card, then when that was declined I tried to enter the card numbers manually online with XXXX XXXX and again both cards were declined. Customer service said there was nothing wrong with the cards and maybe I should just keep trying other merchants. They also offered to send two new cards but, as I explained, it wasn't an issue with the magnetic strip as both were declined when I tried to enter the gift card numbers manually. 

I should be able to use these cards where and when I want and said that to them. They couldn't care less. I ended up having to pay for the order on my personal credit card as it was going to be cancelled unless the charge was paid for on that date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 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: OH

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 


These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review 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 2024-05-21 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-21 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: MN

Complaint narrative:
Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : Factual Data I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
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 explanation
Consumer complaint received 2024-05-21 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: CA

Complaint narrative:
The account of XXXX XXXX  XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed 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 explanation
Consumer complaint received 2024-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 don't recognize any of them since I suffered abuse by these companies to request my credit report without my consent

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 2024-05-21 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: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
I received notification that I received an inquiry for a loan from Continental FinanceXXXX. I didnt applied to this loan nor did I agree to have my information used to process the application. I also received their credit card. Again, I didnt applied to the credit card as well. I attempted to call the Bank however I was on hold for XXXX hrs. 

Thank you XXXX XXXX Continental FinanceXXXX XXXX XXXX, XXXX from 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 2024-05-21 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I was taken off of payment and put on deferment due to an extreme weather issue despite not experiencing any issues. I asked to be removed from deferment to continue making on-time payments but, I did not receive any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name.

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.

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 2024-05-21 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: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the 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 explanation
Consumer complaint received 2024-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
My mother who lives in XXXX  XXXX opened up several credit cards I. My name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided two reports. A police report and an identity theft report to make them remove this from my credit bureau. I showed with those this was not my account and they keep stalling me and will not remove it. My next step is court to prove its not mine and seek financial damages as its causing me harm in finding a rental for me and my children. I never have lived in XXXX and did not open this account. My name is XXXX XXXX XXXX son is XXXX. XXXX is XXXX

Company response to consumer: Closed with explanation