vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: MI

Complaint narrative:
Dear Sir or Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist in removing hard inquiries from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and related regulations. I have recently reviewed my credit report and identified several hard inquiries that I believe were made in violation of my rights, and I seek your intervention in addressing these issues. I would like the following items removed : 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 According to the FCRA ( Section 604 ) , a credit inquiry is considered " hard '' when it is made as a result of a credit application, loan request, or any other action that may impact my credit score. Under the FCRA, these inquiries should only be recorded if I have authorized them. Unfortunately, I believe some of the inquiries on my credit report were made without my explicit permission or were based on incomplete or inaccurate information.

In particular, I would like to highlight the following reasons for my request : Lack of Authorization : There are hard inquiries on my credit report that I do not recall authorizing. If these inquiries were made without my consent, they violate my rights under the FCRA.

Inaccurate Reporting : Some of the inquiries on my credit report may be inaccurate, as I did not apply for credit with the entities listed, or the inquiries may have been made in error. As per CFPB regulations, credit reporting agencies are required to ensure the accuracy of information contained within credit reports ( 15 U.S.C. 1681e ( b ) ).

Time Frame for Removal : Hard inquiries must be removed from a credit report after two years, but the inquiry may no longer be relevant to my credit score after the first year. I request that any outdated inquiries be removed as per CFPB regulations for data accuracy and fairness.

Under the Fair Credit Reporting Act, I understand that I have the right to dispute any inaccuracies on my credit report directly with the credit bureaus. However, due to the circumstances surrounding these inquiries and the fact that they are affecting my creditworthiness, I request that you investigate this matter thoroughly and remove any unauthorized or incorrect hard inquiries from my report in accordance with federal law.

Please let me know if additional documentation or information is needed to support my request. I would greatly appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: MN

Complaint narrative:
Ive identified fraudulent accounts on my credit report and ask for their prompt 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 2024-11-26 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:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 non-monetary relief
Consumer complaint received 2024-11-26 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: CITIBANK, N.A.
State: CO

Complaint narrative:
A charge of {$1200.00} was made to my Costco CitiCard on XX/XX/year> for a transaction with XXXX XXXX. 

I have never used this card for any charge whatsoever, including this charge. 
I submitted a complaint to CitiBank. They provide me with a phone number to contact XXXX XXXX. The number is no longer in service. I can not locate another means to contact XXXX ( either phone or e-mail ). 

CitiBank has determined that I have provided insufficient information to resolve my complaint, and the charge will remain open and accrue interest.. 

Since I did not make the alleged transaction and can not contact XXXX, I have no way to clear this charge from my account. 
I have requested a new card with a different account number from Citi.

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 2024-11-26 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Dear CFPB, I am writing to dispute inaccuracies regarding my credit report and to request the removal of certain inquiries that do not accurately reflect my creditworthiness. 

# # # Accounts in Dispute : XXXX. XXXX - XXXX XXXX : XXXX - **Account Status** : XXXX - XXXX XXXX : XX/XX/XXXX - **Comments** : Canceled by credit grantor XXXX. XXXX XXXX XXXX XXXX  **Account Number** : XXXX - **Account Status** : Closed - **Last Reported** : XX/XX/XXXX - **Comments** : Closed XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Account Status** : Derogatory - **Last Reported** : XX/XX/XXXX - **Comments** : Charged off as bad debt ; Dispute resolved; reported by grantor # # # Additional Request : Removal of Inquiries I request the removal of the following inquiries from my credit report : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these accounts and inquiries are either inaccurate or misleading, and I kindly request your assistance in ensuring they are properly investigated and rectified in my credit report. Thank you for your attention to this matter. I look forward
to your prompt response.

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 2024-11-26 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: FL

Complaint narrative:
I am not going to go into full details for the files below is detailed. Due to my response being posted publicly I will briefly make this statement short and clear. I am facing identity theft right now. My identity has been stolen and used without my permission. I am in the process of building my credit as a upcoming XXXX  adult. The following accounts are fraudulent and needs to be erased it isn't fair how someone can cause such defamation to not only your report but your character as if you aren't responsible. Help me fight these collections off that doesn't belong 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 non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate reporting of bankruptcy information on my credit file. The bankruptcy, filed on [ Insert Filing Date ], has been reported to the credit bureaus, despite the bankruptcy courts confirmation that they do not report any information to the credit bureaus. I am requesting that XXXX XXXX XXXX provide evidence of their permissible purpose and proof of consent for sharing this information with the credit bureaus. 

Issues with Bankruptcy Reporting : Courts Statement : The bankruptcy court has explicitly stated that they do not report information to the credit bureaus. This raises questions about the source of this bankruptcy reporting.

No Proof of Consent : I have not been provided with proof that I consented to the reporting of my bankruptcy to the credit bureaus, nor has it been validated whether XXXX or any other third-party vendor had permission to share this information with the bureaus. 

Unlawful Reporting : As XXXX, XXXX or other data furnishers may be involved, I dispute the lawfulness of the reporting process under 15 U.S.C. 1681e ( b ), as this data may have been shared without legal consent or permissible purpose.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate reporting of bankruptcy information on my credit file. The bankruptcy, filed on [ Insert Filing Date ], has been reported to the credit bureaus, despite the bankruptcy courts confirmation that they do not report any information to the credit bureaus. I am requesting that XXXX XXXX XXXX provide evidence of their permissible purpose and proof of consent for sharing this information with the credit bureaus. 

Issues with Bankruptcy Reporting : Courts Statement : The bankruptcy court has explicitly stated that they do not report information to the credit bureaus. This raises questions about the source of this bankruptcy reporting. 

No Proof of Consent : I have not been provided with proof that I consented to the reporting of my bankruptcy to the credit bureaus, nor has it been validated whether XXXX or any other third-party vendor had permission to share this information with the bureaus. 

Unlawful Reporting : As XXXX, XXXX or other data furnishers may be involved, I dispute the lawfulness of the reporting process under 15 U.S.C. 1681e ( b ), as this data may have been shared without legal consent or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I am writing to formally dispute the reporting and handling of my XXXX account ( Account XXXX XXXX XXXX  ) due to inaccuracies, unauthorized actions, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Dispute : Inaccurate Reporting of Late Payments : My credit report reflects late payments ( 30, 60, and 90 days ) on this account, which is incorrect. I have never missed a payment, and the account was paid on time. The continued reporting of late payments is inaccurate and damaging to my creditworthiness. 

Account Closure and Misrepresentation : The account was closed by the creditor with comments stating it was canceled by credit grantor due to inactivity. However, this does not accurately reflect the circumstances as I have maintained consistent payment activity. 

Unauthorized Auto Payments Post-Closure : Despite the account being marked as closed, XXXX continues to deduct payments from my bank account. This action is unauthorized, deceptive, and contrary to the terms of the agreement for a closed account.

Violation of Consumer Protection Laws : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to ensure accurate reporting. XXXX continued reporting of late payments and improper account closure violates this obligation.

Under the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 ), unauthorized deductions from my bank account after account closure
constitute a violation of my rights.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) ensures transparency and fairness in account terms, which has been undermined by XXXX actions.

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 2024-11-26 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:
I am writing to formally dispute the reporting and handling of my XXXX account ( Account XXXX XXXX XXXXXXXX ) due to inaccuracies, unauthorized actions, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Dispute : Inaccurate Reporting of Late Payments : My credit report reflects late payments ( 30, 60, and 90 days ) on this account, which is incorrect. I have never missed a payment, and the account was paid on time. The continued reporting of late payments is inaccurate and damaging to my creditworthiness. 

Account Closure and Misrepresentation : The account was closed by the creditor with comments stating it was canceled by credit grantor due to inactivity. However, this does not accurately reflect the circumstances as I have maintained consistent payment activity. 

Unauthorized Auto Payments Post-Closure : Despite the account being marked as closed, XXXX continues to deduct payments from my bank account. This action is unauthorized, deceptive, and contrary to the terms of the agreement for a closed account. 

Violation of Consumer Protection Laws : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to ensure accurate reporting. XXXX continued reporting of late payments and improper account closure violates this obligation. 
Under the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 ), unauthorized deductions from my bank account after account closure constitute a violation of my rights.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) ensures transparency and fairness in account terms, which has been undermined by XXXX actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
RE:
Balance Amount XXXX  Is Collection XXXX Open Date XXXX
Payment Status XXXX XXXX XXXX (90 DAYS DELINQUENT)
Status Date XXXX  Name BANK OF AMERICA
Phone XXXX XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX State TX Zip XXXX  
ALL CREDIT-RELATED PARTIES SHOULD BE AWARE THAT THIS CHARGE IS A DISPUTED MEMBERSHIP ANNUAL RENEWAL CHARGE I REFUSED TO PAY BECAUSE I HAD CLOSED THIS CREDIT CARD WITH BOA AS SOON AS I RECEIVED NOTICE OF THIS CHARGE.  I REFUSED TO PAY FOR A CREDIT CARD ANNUAL RENEWAL FEE AFTER I HAVE CANCELLED THE CARD WITH NO OUTSTANDING CHARGES FOR SERVICES OR GOODS.

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 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am disputing an auto loan contract from XXXX XXXX under California consumer protection laws and the federal Truth in Lending Act ( TILA ). The contract fails to accurately disclose required finance charges, including improperly handled auto insurance premiums, and does not comply with mandatory disclosure of my right to rescind. Under California law, this constitutes unfair and deceptive practices. Additionally, the contract lacks required signatures from the dealer or finance company, violating state contract requirements. My down payment of {$6100.00} was also improperly handled and not accurately accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I sent in a Notice to inform them of unauthorized inquires on my credit report. I do not recognize or do business with the inquiries. As a solution to my problem and suffering I demanded settlement and removal off my credit report. The response times for those letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Equifax credit report dated XX/XX/XXXX. The account in question is : XXXX XXXXXXXX XXXX Installment Account XXXX XXXX Opened : XX/XX/XXXX Balance : {$11000.00} This account is incorrectly reporting 54 late payments on my Equifax report. However, my XXXX report reflects 41 late payments for the same account. This inconsistency indicates that the information is inaccurate. 

I respectfully request that you reinvestigate this matter, verify the accuracy of the reported late payments, and delete the inaccurate information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital has this collection for XXXX for a car I never had and never applied for this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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:
I am filing this complaint against XXXX  XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by inaccurately reporting an account that they no longer own. 

On XX/XX/XXXX, I requested XXXX XXXX to validate and verify an alleged debt associated with account number ending in XXXX. XXXX XXXX responded by stating that the account had been XXXX XXXX XXXX. Despite this, the account continues to be reported under XXXX XXXX 's name on my consumer credit reports with XXXX, XXXX, and TransUnion. 

This continued reporting violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to ensure accuracy and completeness. As XXXX XXXX no longer owns the debt, its reporting of this account is both inaccurate and misleading. Further, XXXX XXXX failed to provide any validation or proof of the debt under 15 U.S.C. 1692g of the FDCPA. 

My specific concerns are as follows : XXXX. XXXX XXXX continues to report a sold debt on my credit file, which is materially misleading and impacts my creditworthiness.

2. The failure to validate or provide proof of the alleged debt after my written request.

3. The negligence in updating or correcting inaccurate information with the credit bureaus, violating my rights under the FCRA. 

I have attempted to resolve this matter directly with XXXX XXXX through written correspondence, but they have failed to take corrective action. I request that the CFPB : 1. Investigate XXXX XXXX for its violation of FCRA reporting requirements.

2. Require XXXX XXXX to immediately remove the inaccurate account from all consumer credit reports.

3. Impose penalties and ensure compliance with consumer protection laws. 

Attached are copies of my dispute letters to XXXX XXXX, their responses, and evidence of the account 's continued reporting. I look forward to your assistance in resolving this matter promptly. 

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 non-monetary relief