vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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

Complaint narrative:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
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 2024-12-05 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: WI

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

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

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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
Consumer complaint received 2024-12-05 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 formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : 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

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

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following accounts and inquiries blocked and deleted from my credit file. 
Fraudulent Accounts : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
Experian has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to all bureaus. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. 

I received a copy of my credit report and found the following item listed below to be an error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written 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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover student loans was one servicer of one of my several federal student loans. The loan originated in XXXX and I had 176 months of perfect payments, and the loan was paid off in XXXX. In XX/XX/XXXX, I had credit score of XXXX, important because I am buying a new home. However, Discover erroneously submitted information from XXXX and XXXX, and two delinquencies are being reported from XXXX my loan was PAID OFF IN XXXX. 

Discover acknowledges the error. They dont know why the incorrect information from XXXX and XXXX was submitted to XXXX , but they are unwilling to resubmit as they say they can not. This has caused a material damage with interest charges for XXXX loans of {$740.00}, as well as the loss of my home loanit needs to be immediately corrected so I dont lose this house I am purchasing and Discover and XXXX need to pay damages in remuneration. 

I have had to address this issue with Discover 8 times since XXXX, and while they eventually correct it, they inevitably end up resubmitting incorrect information that is causing material damage. Discover and XXXX, XXXX and XXXX need to be held accountable and this error needs to be fixed IMMEDIATELY

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

Complaint narrative:
I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX refuses to honor a bonus " promotional '' rewards that I earned by using their Kohls Credit Card outside of Kohls. I even called before I used it to confirm it was real. I was told I would get {$15.00} in " Kohls Cash '' for every {$50.00} I spent outside of the store. 

I waited until I paid the card. I just called for 4 days in a row to be told the same lies. I did earn {$15.00} in Kohls rewards on XX/XX/XXXX as a result of shopping at their store in XXXX, prior to this email. This was reflected on their " Rewards Activity '' page. For four days, they insisted I had gotten my total rewards. Nothing but lies. NO, I did not. 

I demanded to know when I'd receive my bonus rewards ( {$60.00} ) I had earned via an email that stated the following : XXXX! XXXX, 2024 " ACTIVATE YOUR OFFER NOW Theres still time. 
Earn {$15.00} in bonus Kohl 's rewards. * Its not too late to activate your offer if you havent already. 

Spend {$50.00} outside of Kohls on your Kohls Rewards Visa by XX/XX/XXXX, and youll earn {$15.00} in Kohl 's rewards. Well count all of your eligible purchases from XX/XX/XXXX to XX/XX/XXXX. '' I activated via the hyperlink and they refuse to honor the bonus rewards. I kept getting the same " You got {$15.00} '' lie ad nauseum. I persisted. I finally spoke to a manager on Day 4 who repeated the same lies and offered me a {$20.00} rewards " kohls cash '' as consolation. I took it. I will not be calling them anymore. This consolation offer PROVES they know they are not acting in good faith. They owe me {$40.00} more. 

I feel like it is unethical to take away my reward dollars that I earned charging their card instead of any other credit cards. I could have used a regular cash card with actual cash rewards at XXXX, XXXX, XXXX XXXX and 2 grocery visits equalling $ XXXX had I been aware they had no intention of honoring the offer. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
This company is a wreck looking for a place to happen. Harris and Harris Ltd of XXXX. I didn't know about them and I had find out the hard way when my bank posted my XXXX score had dropped XXXX points. I didn't know why or who had done this to me. After I found out and read some of the reviews on them I found it was on something that happened 3 years ago. I started searching my text that XXXX  was supposed to sent me. I found it in my XXXX  folder along with the other ones that was trying to spam me for what every reason. It was about a {$190.00} bill I didn't owe. I had settled this with a legitimate collection company. I called the collection company we talked and worked it out in my favor. That was 2 years ago. Then 2 years after that Harris and Harris got into my credit file and seen it and decided to try me. But I didn't know of them and never got a call, letter or nothing to me accept this one spam text that went straight to my spam folder. This XXXX point drop was a paifull loss for me. I'm XXXX XXXX XXXX and worked hard to pay my debts. But I thought of something else. These so called collection agency have access to my SSN, phone number, and everything in that file. They could be selling all that information. That is bad. Please take a good look at this company. Read the reviews of 100s of other victims about this fraudulent company. Please help me. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CT

Complaint narrative:
Thank you for your response to my complaint regarding the XXXX XXXX XXXX account on my credit report. However, your reply failed to address the specific issues outlined in my original complaint, and your investigation results do not resolve the inaccuracies and omissions I identified. Key Issues Not Addressed by Equifax : Incomplete Payment History : In my initial complaint, I highlighted that Equifax is reporting the XXXX Card account without providing the full payment history, including the XX/XX/year> payment. This omission misrepresents the accounts true status, rendering the report misleading and inaccurate in violation of 15 U.S.C. 1681e ( b ). Your response does not explain why this payment history is absent or what steps were taken to verify its accuracy. Erroneous Reporting of Credit Limit on a Closed Account : I noted that Equifax continues to report a credit limit on a closed account, making it appear active and impacting my credit utilization ratio. Reporting a credit limit on a closed account violates 15 U.S.C. 1681c. Your response does not clarify why this is being reported inaccurately or address its misleading nature. Inconsistent Dates of Last Payment and Delinquency : My complaint pointed out that the date of first delinquency is inaccurately listed as XX/XX/year>, while the last payment is reported as XX/XX/year>. These inconsistent dates create an inaccurate credit profile. Your response fails to reconcile these inconsistencies or explain how they meet the FCRAs standard of maximum possible accuracy. Selective Reporting of the Accounts Negative Status : I raised concerns about Equifaxs failure to report the account when it was in good standing, selectively reporting only after the account entered a negative status. This practice distorts the overall credit history and violates the FCRAs requirements for complete and fair reporting. Your response does not address this issue. Failure to Ensure Maximum Possible Accuracy : While Equifax claims to have verified the item, this generic statement fails to demonstrate compliance with 15 U.S.C. 1681e ( b ), which requires Equifax to follow reasonable procedures to ensure maximum possible accuracy. Verifying ownership of the account does not resolve the inaccuracies and omissions in its reporting. Failure to Investigate Disputed Information : Equifaxs response indicates that the furnisher was contacted but does not detail what steps were taken to reinvestigate the disputed information or correct inaccuracies. This is a violation of 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/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