vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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 received my credit report on DATE and noticed that there were hard inquiries that didn't have a permissible purpose to be on there. These hard inquiries are keeping me from getting approved. I have already reached out to the credit bureaus about this multiple times, and they keep violating my rights under 15 USC 1681b. I have also attached the hard inquiries that DO NOT have a purpose to be on my report. 

( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX  # XXXX XXXX, CO XXXX ( XXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY 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 2024-11-23 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. I am a victim of a data breach, and these accounts and inquiries are the result of identity theft. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information that has been identified as fraudulent. The following accounts and inquiries were not authorized by me and should be removed from my credit file : Fraudulent Accounts : XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1700.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$660.00} XXXX. XXXXXXXX XXXXXXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a Hard Inquiry that I did not make XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX This is a Hard Inquiry that I did not make XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This is a Hard Inquiry that I did not make XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This is also a Hard Inquiry I did not make Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these Hard Inquiry 's are showing up on my Credit Report and they are false and misleading because I did not authorize these companies to pull my Credit. 

Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a Hard Inquiry that I did not make XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX This is a Hard Inquiry that I did not make XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is a Hard Inquiry that I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX This is also a Hard Inquiry I did not make Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these Hard Inquiry 's are showing up on my Credit Report and they are false and misleading because I did not authorize these companies to pull my Credit. 

Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a Hard Inquiry that I did not make XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX This is a Hard Inquiry that I did not make XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This is a Hard Inquiry that I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX This is also a Hard Inquiry I did not make Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these Hard Inquiry 's are showing up on my Credit Report and they are false and misleading because I did not authorize these companies to pull my Credit. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NJ

Complaint narrative:
I am writing to formally request the removal of the following unauthorized inquiry from my credit report. I am a victim of identity theft resulting from a data breach. This inquiry was made without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized inquiries blocked and removed from my credit report. 
Unauthorized XXXX XXXX - Date : 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 2024-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I tried to log on to XXXX  to pay my student loans. After a couple of weeks I started to get frustrated and called the toll free number. The person on the other end said it's my fault I don't have access, proceeded to laugh at me and hung up the phone. 

I've been trying to pay my student loans for 3 months now and I can't because they're " in the process of moving from XXXX '' My issue is, it's now ruining my credit and collecting interest all while they refuse to give me access to pay the loans. I am now on the verge of homelessness because of this. I can't get an apartment because this has brought my score below that XXXX marker.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: MS

Complaint narrative:
TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my updated report and not all XXXX buerors are in unison as to what needs to be removed and reported. 
XXXX XXXX is an athorized account I need removed ASAP XXXX for XXXX & XXXX should be removed as it is for experian as of XX/XX/XXXX XXXX inquiries as well as XXXX XXXX should be cleared off my theft report is attached and police report was sent but its still seen as well as proof that I can't even get verified to speak on behalf of the account because I'm not the person that opened it ( see attached ) 4.I asked for all alerts, statements, holds, freezes etc to be lifted but I still have them especially with XXXX and Experian stopping me from being able to have my report pulled. I sent my proof of identity and address weeks ago and tracking says it was received I called and confirmed it was uploaded.

5.Lastly, My XXXX  XXXX XXXX loan was removed from Experian but is still not updated with XXXX or XXXX as XXXX XX/XX/XXXX I proved with LOADS of documents these should be done across all reports and it's your DUTY to make sure everything in in sync or to show me line by line law by law contact etc why it shouldn't be with you SPECIFIC agency

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 2024-11-23 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: NC

Complaint narrative:
I am writing to formally request the removal of the following fraudulent account and inquiry from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Account XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$30000.00} XXXX XXXX XXXX. XXXX  - Date : 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 non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX 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. 

1 ) Capital One Auto Finance. That account was reported as a lost to benefit from a tax break on XXXX, I disputed it and it was removed. 

Again they added it again this year for the same benefit. 

I traded a car worth of XXXX XXXX for XXXX XXXX because I needed a bigger family car. I was facing difficulties and the car was repossessed with me facilitating the process. 
They never update the balance of the loan. I believe they use that tactic as a loophole to benefit from tax breaks, that is hurting my credit crire, preventing me from buying a house. 

I also would like the : XXXX XXXX XXXX XXXX XXXX to be removed from my report as well because I do not owe that debt, unless they can provide proof about how I owe them the debt. 


I understand that under 15 U.S.C. Sec.

1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I found out that there is XXXXXXXX XXXX XXXX acount from Bank Of America that is not mine in my credit report ( XXXX ). I file a dispute report online for that credit and received an investigation results that that credit card is mine. So I went to the bank ( downtown XXXX XXXX ) for that credit card and they told me they couldnt find that bank account with my SSN. They couldn't do anything about it so they told me to contact to the XXXX. XXXX told me again to contact the bank again. I tried to call the bank phone number but they been asking my credit card number to talk with them but I DONT HAVE ONEE. I HAVE NEVER OPENED ANYTHING IN BANK OF AEMERICA.

However, the credit card has been on my credit report unitl now ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ). It has used full credit limit 100 % and it has been effecting my credit score very badly. I have to stay at my friend house for months because my credit score went down to 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 2024-11-23 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: MI

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, as I am a victim of identity theft resulting from a data breach. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information resulting from fraudulent transactions. The accounts and inquiries below are not authorized by me, and I have no knowledge of them : Fraudulent Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$200.00} XXXX. XXXX XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$220.00} Fraudulent Inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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:
XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA. 
TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes. 
Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA. 
Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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:
XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA. 
XXXX Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : XXXX  days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes. 
Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA. 
Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BOEING EMPLOYEES' CREDIT UNION
State: AZ

Complaint narrative:
Left stranded at the register trying to checkout but the card doesn't work because sometime in the last week, they reduced the limit to less than the balance ( reducing the limit by XXXX  % ) without so much as a notification on the application. When contacted they said " we sent you a letter on the XXXX '' as if anyone in business today has no clue about mail being slow or delayed. The application is capable of push notification plus they have my email address, there is absolutely no reason to find out AT CHECKOUT that the card no longer works. This is complete unacceptable. I have never missed a payment or been behind on any loans that I have had through the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
XX/XX/XXXX & also in XXXX late fees & interest were applied to my Barclay card credit card, even though I paid the bill in full on the due date. I had to manually call & get the fees reversed. I pay every month on the due date. Only on certain occasions are fees & interest arbitrarily applied.

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 2024-11-23 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: NC

Complaint narrative:
I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} Unauthorized Inquiries XXXX. XXXX/XXXX  - XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NC

Complaint narrative:
I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report.

Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} Unauthorized Inquiries XXXX. XXXX/XXXX  - XXXX : XX/XX/XXXX XXXX. XXXX XXXX - Date : 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