vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail, tracking number # XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. According to XXXX tracking, the letter was delivered to Experian on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Experian. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
My name is XXXX XXXX and my Identity was stolen. there were fraudulent accounts opened in my name and inquiries made in my name as well. Please help me remove this as soon as possible I'm trying to get a car and I'm unable. according to the fair credit reporting act I am entitled to accurate credit reporting, please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. As such, I am requesting the immediate blocking and deletion of certain accounts and inquiries that have been fraudulently added to my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
Fraudulent Accounts to be Deleted : XXXX. XXXX XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$2900.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX  XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$4900.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$780.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$150.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$1000.00} XXXX. XXXX XXXX  ( Account XXXX : XXXX ) XX/XX/XXXX {$43.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$6300.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$4200.00} XXXX. XXXX XXXX XXXX ( Account No : XXXX ) XX/XX/XXXX {$680.00} XXXX. XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$2900.00} XXXX. XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$6400.00} Fraudulent Inquiries to be Removed : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: AL

Complaint narrative:
I am filing this dispute due to repeated, inaccurate information on my Equifax consumer report, specifically involving XXXX bankruptcies. I initially disputed these entries with Equifax in XXXX of last year, and they were subsequently deleted. However, Equifax reinserted these bankruptcies into my report this year without notifying me within the required five-day period, which is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX failure to notify upon reinsertion violates Metro 2 compliance standards. 

The data furnisher, XXXX, has also been attempting to contact Equifax to correct these inaccuracies. It is important to note that no other credit reporting agencies, including XXXX and XXXX, report these bankruptcies on my consumer report. XXXX continued refusal to delete the inaccurate bankruptcies is causing significant harm by misrepresenting my financial profile and negatively impacting my creditworthiness. 

I've been disputing this repeatedly and they continue to ignore me and also XXXX XXXX with their dispute letter. Violation has made with Equifax and I will be compensated for pain and suffering as well as the inaccurate information that they are reporting. Equifax is giving me a hard time in disputing these inaccuracies online. They always prompt me to speak to a representative. Stall Tactic has been going on with Equifax. Asking for new information when the information is accurate that I am sending, and they are refusing to delete. When I call the representative always open up continuous dispute to prolong the investigation and it comes back immediately verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
The credit report contains unauthorized hard inquiries under 15 USC 1681c-2, impacting my credit score. Please remove them 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 2024-11-13 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-13 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: TX

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, I am formally disputing an unauthorized inquiry that appears on my credit report and requesting its immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
XXXX XXXX : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: KS

Complaint narrative:
I am writing to formally inform you that I am a victim of a data breach. As a result, the following fraudulent account has appeared on my credit report without my authorization. I am requesting that this account be blocked and deleted from my credit file in accordance with 15 USC 1681c 2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$2200.00}

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am the victim of several data breaches and fraud and identity theft. Under 15 USC 1681c-2 ( a ) I have the right to request the blocking and deletion of any and all fraudulent information due to these breaches, fraud and theft of identity. 

The inquires in question XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX I have no open accounts with the companies listed above and I have no knowledge of any of these inquires.

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 2024-11-13 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$5300.00} XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$3300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$3200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$250.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$950.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$940.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$240.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$220.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$150.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was charge for overdraft with money in my account from navy federal or when I transfer from my cash app account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
On XX/XX/year>, I signed into my Experian account and noticed there was an unidentified address on my account. I called Experian to report the identity theft/fraud on my credit report since their website does not give you this option to do so online. I was not given any information as to where this address came from besides the company name that reported it to them. I was told to contact this company, however they would not give me any information on this company to reach out to them directly. I was then told by Experian to XXXX this company for their address and phone number in order to contact them. Experian should not accept changes to my personal information from other creditors without first verifying with me and second being willing to provide me any information on these creditors. I requested the address be removed and a full credit report be sent out. I was still not given any information as to when this address was added to my report or how or why it was added. I was not given any contact info or background info as to where this address came from. I was not given any answers to if my information could have been linked to further fraud due to this.

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 2024-11-13 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on it. Please remove this account from my report because it is hurting my ability to obtain credit. Also, I have attached a letter from the company indicating that it should not be deleted.

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 2024-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXXXXXX

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 2024-11-13 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:
Dispute of Unauthorized Inquiries and Demand for No Requirement of FTC or Police Report Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute.

Upon reviewing my credit report, I have identified 3 differente but looks like rep
eat because 3 same day the following unauthorized inquiries : Company name Date of inquiry XXXX XXXX XXXX XX/XX/year> another XXXX XXXX XXXX XXXX XX/XX/year> and the last XXXX XXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer.

I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA.

Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants

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 2024-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased 2 isolated baby bottles with 2 extra nipples with flow 3 from XXXX for XXXX When the items were received I notice the shape of the nipples was not that it look like the item only and requested a return which the company did not reply. I also requested the company to contact me to return the items and still did not hear back from them. I contacted Capital one to submit a claim and provided the screenshot of my email requesting a return and a copy of the companys return policy. The claim was denied after several weeks stating that I had not provided any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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