vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit.

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 2024-05-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax credit reporting agency is not reporting current balances on any of my accounts in a time manner. Ive requested for the company to correct the balance statements. The representative stated that they didnt receive updates from the credit card company. Contacted all the the credit card companies and they stated that they reported updated balances. Equifax refuses to updated my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I recently purchased a bunk bed from XXXX XXXX XXXX. After assembling the bed, I noticed there were a number of cracks in the wood. 

I contacted XXXX about the damaged bed, however, they advised me that I can not return the product since it was past 30 days. 

I contacted Ally Bank and opened a dispute and uploaded photos of the damaged bunk bed. 

It's been close to 45 days and the issue has not been resolved

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 2024-05-12 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: TX

Complaint narrative:
Sent letters to the 3 credit bureau and XXXX XXXX  stating that they were reporting inaccurate information on my credit report. I also uploaded a letter showing that I paid off my vehicle and the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
Sent letters to the 3 credit bureau and ally financial stating that they were reporting inaccurate information on my credit report. I also uploaded a letter showing that I paid off my vehicle and the account.

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 2024-05-12 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: TX

Complaint narrative:
After investigation was completed by XXXX back on XX/XX/XXXX, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. XXXX continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ). 

Can you please look into this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
After I found that Bank of American opened my CD account without my consent, I found Bank of America opened my retirement savings account without of my consent.

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 2024-05-12 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I wish to dispute information that appears on my credit report for XXXX XXXX XXXX This account has been reported as 120 days delinquent as a result of late monthly lease payments. Upon thorough investigation on my part, this is not true. I have documented evidence in the form of bank account transactions that prove that I was not 120 days delinquent on monthly lease payments. I would like to add those documents to this complaint, however, the file is much too large to include online and would have to be mailed. The fees that are being reported are for overage charges that occurred after the lease period ended. The company did not notify me that there would be a negative credit report due to overage fees. In addition, the company continued to allow me two additional leases for 7 years and marked the account as closed. 

Due to current negative credit reporting, regardless of the closure of the account, not notifying me of the adverse credit reporting, and the payment of fees, the actions of the company has resulted in a negative effect for any future loans that I may be seeking to secure with any other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and child support is show on my report illegally as well. this are tha one I've been trying to get of my report for tha last 4 year with no result

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 2024-05-12 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and child support is show on my report illegally as well. this are tha one I've been trying to get of my report for tha last 4 year with no result

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
XX/XX/2024 To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


SINCERELXXXX 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 2024-05-12 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:
XX/XX/year> To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


SINCERELY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit.

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 2024-05-12 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : LOBEL FIN XXXX XXXX XXXX XXXX This collection account is inaccurate because the collection agency, LOBEL FIN 3has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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:
Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with 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 XXXX XXXX I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information. 

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. - Correction of any errors or inaccuracies in the reporting of the fraudulent account. - Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

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
Consumer complaint received 2024-05-12 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information. 

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. - Correction of any errors or inaccuracies in the reporting of the fraudulent account. - Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: FL

Complaint narrative:
I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report.

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

The inquiries that I wish to remove are located on the attached documents of this complaint.

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

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 2024-05-12 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX Per the FCRA, I as a consumer opted out of all authorization i previously gave Capital One via mail. Capital one have not taken action in removing the above account from my consumer report. Therefore the above account should not be reporting on my consumer report per 15 USC 6802. I demand a immediate deletion from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I spoke with national credit ajust and explained to them, I made a settlement with the original creditor which is XXXX XXXX XXXX XXXX  and I have the proof. XXXX XXXX and I settled for XXXX. Before we settled it was on my credit but after we settled the credit bureau took it off my account ( when I provided proof of the settlement ) National credit then submitted a collection for the very exact apartments XXXX XXXX XXXX  so now those apartments are back on my record. I have kids and it's not right for them to submit false information, That's considered fraud, and it's going to deprive me of my freedom to live where I want, it's depriving me of 14th amendment Due process. It's not fair I make the settlement with the original creditor, which I have the bank charge proof, the document from XXXX XXXX of our settlement and documents from them confirming what I owed and it gets taken off my record and then national credit duplicates the collection on the XXXX XXXX The date I made the settlement with the original creditor for XXXX XXXX was XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  is when national credit put the same apartments back on my record requesting collection

Company response to consumer: Closed with explanation