vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: IL

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX, I disputed the entry from XXXX XXXX XXXX on my credit report. Equifax conducted investigations for XXXX to 4 days and responded by confirming that the medical debt had been verified. I have stated that the collection agency is fraudulently reporting an unethical medical debt to my credit report. Due to the character limit in the dispute section, I was able to explain that I am a recipient of the Illinois XXXX XXXX and that this debt originates from an XXXX XXXX XXXX. My health plan, XXXX, paid the collection in question on XX/XX/XXXX. Furthermore, this debt is a surprise bill, and under Illinois law, I am protected from being charged any balance. I filed a formal complaint against XXXX XXXX XXXX on XX/XX/XXXX ( Complaint # XXXX ). However, XXXX XXXX XXXX has not responded to the complaint nor provided any legal justification for reporting this debt to my credit profile. Despite these facts, Equifax has failed to comply with applicable laws, including the No Surprise Act, which protects me from balance billing. I have not received any documentation from Equifax regarding the steps they have taken to investigate this matter, nor have they provided a legal justification for their continued reporting of this disputed collection. Therefore, I request that Equifax fully investigate the validity of this collection entry, in compliance with the law, and remove the inaccurate and fraudulent report from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$520000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$12000.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$51000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$460.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$460.00} UNAUTHORIZED INQUIRIES 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 explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Equifax has demonstrated a complete lack of compliance with the Fair Credit Reporting Act ( FCRA ). Despite submitting a prior identity theft report and CFPB complaint. Ive been a victim of identity theft, and Equifax doesnt care, these accounts was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent account from all records within 4 business days after receiving this notice. Im not interested in delays or excuses. This account needs to be removed from all credit reports now. 
This negligence has caused ongoing harm, including wasted time, frustration, and financial insecurity. Equifax is not only violating the FCRA but also showing willful disregard for my rights as a consumer. 
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove fraudulent account ( XXXX ) and unauthorized inquiries. 
Account ( XXXX ) : XXXX  Account : XXXX Balance : {$53000.00} Date Open : XX/XX/XXXX XXXX XXXX Account : XXXX Balance : {$0.00} Date Open : XX/XX/XXXX Unauthorized Hard Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within four ( 4 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certied Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: Recreational Holdings Corp.
State: CO

Complaint narrative:
I sent a letter to Open Road Finance In XXXX to validate the alleged debt. In the letter I wrote the number that is on my credit report, that they ae reporting to the credit reporting agencies. 
it has been dismissed as frivolous because they state I provided an incomplete account number, and the claim that the account number on file does not match the return address. 
However, the account number I provided is the same as the one listed on my credit report, which your company submitted to the credit reporting agencies. I trust this should be sufficient to locate the account in question. 
You also indicated that the account number on file does not match the return address, Again, this is another reason for my dispute since I do not believe this is a valid account. I have serious doubts about its authenticity or its association with my personal information. I would like to stress that my dispute is not frivolous. I expect your company to conduct a thorough investigation to resolve these concerns.In accordance with applicable consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies or discrepancies related to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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 writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-12-10 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: FL

Complaint narrative:
As per the guidance from the consumer financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within four business days, pursuant to section 605 c of the fair credit reporting act I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX Balance. 
, XXXX XXXX XXXX balance XXXX XXXX XXXX balance {$550.00} XXXX XXXX {$120.00} XXXX XXXX XXXX  XXXX {$66.00}

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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
DEAR CAPITAL ONE BANK ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, AND XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CT

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

XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: DE

Complaint narrative:
My credit report has incorrect details violating 15 USC 1681c-2, particularly unapproved inquiries. These errors are damaging my credit, and I request their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are accounts listed on my credit report that I did not consent to. I demand these fraudulent entries be blocked and removed right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX I called to make my car payment of {$260.00} to XXXX XXXX of XXXX, Indiana. It immediately showed it come out of my XXXX XXXX account on chime. My car company immediately informed me that it declined due to my bank institution. Ive made this payment on this specific debit card for over a year with zero issues. I looked at my card charges on my account and it then showed that {$260.00} was pending. I waited and checked it again on XX/XX/XXXX thinking it would go back to my card. It did not. I contacted chime and they assured me that it would be in my account within 7 business days. On Friday XX/XX/XXXX I contacted chime again and they told me that the charge had went through. It did not. I contacted the merchant ( my car company ) and they assured me they did NOT receive payment. I called chime support and they filed a dispute and collected all information that I have stated here. Told me it would take 10-20 business days. XX/XX/XXXX chime emailed me about my dispute asking for more information. I provided them with screenshots showing the money was gone from my account, and a text message from my car company stating that the payment of {$260.00} was declined and still outstanding from XX/XX/XXXX. I also provided them with the phone number so they could contact the merchant themselves to help move alone their investigation. Did not hear back from anyone for several days. XX/XX/XXXX I receive an email stating that my dispute claim was denied because they supposedly completed their investigation and decided that the merchant did receive the payment. THEY DID NOT. I still have an outstanding balance of now {$270.00} because of a late fee now from XX/XX/XXXX. I would love chime to FIND MY MONEY AND RETURN IT TO ME. I have been a loyal member since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Bank of America ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 monetary relief
Consumer complaint received 2024-12-10 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: NM

Complaint narrative:
Kindly ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not authorize or open these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. I have included all relevant documents for your review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
Recently, I reviewed my credit report and found multiple mistakes regarding late payments. These do not match my usual payment record. Please address these errors and make the necessary updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuries and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuries and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has demonstrated a complete lack of compliance with the Fair Credit Reporting Act ( FCRA ). Despite submitting a prior identity theft report and CFPB complaint, TransUnion lied about deleting fraudulent hard inquiries from my credit report. Additionally, they are denying my right to access my free annual credit report via XXXX, further obstructing my ability to monitor and protect my credit.This negligence has caused ongoing harm, including wasted time, frustration, and financial insecurity. TransUnion is not only violating the FCRA but also showing willful disregard for my rights as a consumer. 
Im invoking my rights under 15 U.S.C. 1681c-2 of the FCRA, requiring Transunion to block and permanently remove fraudulent accounts and inquiries from my credit report without further reinvestigation. I have already filed a verified identity theft report numerous of times. 

Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove fraudulent account ( XXXX ) and unauthorized inquiries. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By willfully violating the FCRA XXXX I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certied Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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