vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
XXXX XXXX Automotive- XX/XX/year> XXXX XXXX XXXX XXXX Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX VENDOR F- Machinery & Equipment- XX/XX/year> XXXX- Finance, personal- XX/XX/year> XXXX Finance , personal- XX/XX/year> XXXX- All Banks - non specific- XX/XX/year> XXXX XXXX- Finance, personal- XX/XX/year> I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. 
Please remove the inquires from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: WA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have a checking account with Chime bank. I also have a secure credit builder card with them through my checking account. On XX/XX/year> I took a taxi cab with XXXX XXXX, in XXXX XXXX. The price was {$23.00}. When I received my bank statement it showed that the merchant added a XXXX to the end of my total, which made it {$230.00}. I notified Chime bank and disputed the charge on XX/XX/year>. I also reached out to the merchant. I requested a receipt and reversal of charge. They hung up in my face 4 times then blocked my number. The charge was done on my credit builder Chime card. The bank doesn't qualify the charge as a provisional/temporary credit transaction. They say it's falls under Regulation Z. The bank keep giving me the run around and never give me a straight answer about the investigation. It's been more than 30 business days and I'm still being avoided. Please help me rectify this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I received XXXX alerts, all on XX/XX/year>, that someone tried to contact these banks on my behalf : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, VA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 non-monetary relief
Consumer complaint received 2024-12-28 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
According to 15 U.S. code 1681b ( 2 ) and FCRA section 605b it is illegal to report anything on my credit report without my permission. Please remove anything on my credit report without my permission also 15 U.S. code 1692 ( g ) & 15 U.S. code 1681b ( a ) ( 2 ). Please remove Wakefield & Associate account number XXXX date opened XXXX with a balance of XXXX. Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX # XXXX XX/XX/XXXX -- {$240.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2024-12-28 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: IL

Complaint narrative:
Experian has illegally falsely submitted a dispute without my consent that caused substantial decrease of my credit score as a XXXXXXXX XXXX XXXX to hold my personal credit score at poor rating because I have made complaints against Experian for incorrect and improper credit score calculations and reporting to lenders and not positively crediting my score correctly each month after positive credit account information is being reported to Experian each month. I did not file a dispute with Experian therefore they illegally filed a dispute on my behalf which has no results of any changes to my report only a significant decrease in credit score without any explanation of why the change in score only to refer to credit report which doesnt show any changes. Experian has used XXXX practices to negatively impact credit score in retaliation to complaints about their company. Experian has not properly and accurately applied points to my credit score each month in efforts to hold credit score down to poor rating. Experian customer support is unprofessional and rude unwilling to provide support avoiding and deterring consumers with XXXX XXXX to prevent them from complaining about their 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 explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
XXXX XXXX Automotive- XX/XX/year> XXXX XXXX XXXX XXXX Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX VENDOR F- Machinery & Equipment- XX/XX/year> XXXX- Finance, personal- XX/XX/year> XXXX Finance , personal- XX/XX/year> XXXX- All Banks - non specific- XX/XX/year> NEW EQUIPMEN- Finance, personal- XX/XX/year> I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. 
Please remove the inquires from my 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 2024-12-28 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$690.00}

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 2024-12-28 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:
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 non-monetary relief
Consumer complaint received 2024-12-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Report of Violations by Equifax Information Services Dear CFPB, I am writing to formally report several violations related to my account with XXXX XXXX XXXX  XXXX. After reviewing my account statements and credit report, I have identified several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). The details of these violations are outlined below : 1. **Account Status Discrepancy** The account is reported as " Charge Off, '' but the remarks indicate it was " paid for less than the full balance '' and " paid charge off. '' If the account is settled, the status should reflect " Settled '' or " Paid, '' not " Charge Off. '' **Potential Violation : ** Inaccurate account status.

2. **Late Payment Reporting After Charge-Off** The report lists late payments ( 30/60/90 days ) for months following the charge-off date. Once an account is charged off, late payments should not continue to be reported as the debt is no longer active in repayment.

**Potential Violation : ** Continued reporting of late payments after the account was charged off.

3. **Remarks Contradiction** The remarks state the account is disputed and resolved ( " paid for less than full balance '' ). If this is accurate, the late payment history and charge-off status should align with the settlement agreement.

**Potential Violation : ** Failure to accurately update the account based on resolution.

4. **Balance Reporting Inconsistency** The balance is reported as {$0.00}, indicating the debt is fully resolved. However, the " Collection/Charge-off '' status and late payment markers may mislead creditors or other reviewers.

**Potential Violation : ** Reporting resolved accounts in a derogatory manner.

5. **Failure to Update After Dispute** If I have already disputed this account and provided evidence of resolution, failure to update the report violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure all information is accurate and complete.

**Potential Violation : ** Non-compliance with FCRA dispute resolution timelines ( 30-45 days ).

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure that Equifax Information Services complies with the Fair Credit Reporting Act. Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: DE

Complaint narrative:
I have reviewed my consumer credit reports and there is inaccurate information ; inconsistent late payments reporting on accounts that I have never been late on. I have always made on time payments on my accounts, I have never been late. Consumer reporting agencies are required by law to report accurate information. The law is being broken and my consumer rights are being violated. I am requesting a thorough investigation of these discrepancies with documented written evidence to prove these late payment accusations that legally support these consumer reporting agencies inaccurate claims. 

Please provide my original creditors financial statements with payment history logs of my accounts showing these late payments with the exact dates, and dollar amounts of the actual missed payments and when these late payments were actually received, as well as provide me with a written transcript of the recorded phone call conversations with the time, date and staff persons names of when these late payment discrepancies were reported to these consumer reporting agencies from the original creditors. 

The account in discrepancy is as follows : XXXX XXXX  Account # XXXX I have provided a screen shot of my XXXX Credit Bureaus Report with the late payment discrepancies circled in red.

If you are unable to furnish the requested proof, I demand an immediate update of my payments to reflect the true on time paid as agreed/ never late status, as I have never been late on a payment. I have consistently upheld my payment obligations without delay. As I appreciate your prompt attention and action on this matter.

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