vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am writing to dispute several hard inquiries on my credit report that I believe are fraudulent and unauthorized. These inquiries were not initiated by me or with my consent, and I believe they were made by someone attempting to obtain credit in my name without my permission. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Specifically, under Section 611 of the FCRA, I am entitled to dispute any inaccurate or fraudulent information on my credit report, including these unauthorized hard inquiries.

Additionally, under Section 616 of the FCRA, credit reporting agencies and entities that furnish information to them, such as creditors, are required to take reasonable measures to ensure the accuracy and completeness of the information in a consumer 's credit report. In this case, it is clear that these fraudulent hard inquiries were not initiated by me and therefore are not accurate or complete. 

I request that you investigate these fraudulent hard inquiries as soon as possible and remove them from my credit report within 30 days of receipt of this letter, as required by law. Failure to do so would be a violation of the FCRA, and may result in legal action and penalties under the law.

For violations of Section 611 of the FCRA related to the failure to investigate and correct inaccurate or fraudulent information on a credit report, including fraudulent hard inquiries, credit reporting agencies may be liable for statutory damages of up to {$1000.00} per violation. 
DELETE HARD INQUIRIES AND CLOSED ACCOUNTS Inquiries XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Closed accounts XXXX XXXX XXXX  Closed on XXXX XXXX XXXX XXXX XXXX XXXX  Closed on XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX Equifax Hard Inquiries XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  closed accounts XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX 
Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
An account opened for a card in my name at the Target store appeared on my credit report, a card that I never requested or asked for. In the city where I live there is not even that chain store

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX Dep of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: WA

Complaint narrative:
XX/XX/2023, I was blocked using my account and my pin # had been changed, again. not by me. I called the bank and told them I thought there was fraud on my account because less than 1 month ago, on XX/XX/2023, the same thing happened and all my money was stolen from my account via transfer of funds. They said no and guaranteed me I would be able to login to my account in 10 mins. That was a lie, I had to call 3 more times to finally get someone to send me the link to reset my password and when I finally got into my account, it was overdrawn {$100.00} when I had over {$1200.00} the night before. And every time I was on the phone with them, telling them I cant access my account and card was blocked, they were allowing someone to use my account, WHILE I WAS ON THE PHONE WITH THEM TELLING THEM ANY TRANSACTIONS OR ATTEMPTED TRANSACTIONS ARE FRAUD! XXXX {$89.00} XXXX XXXX {$48.00} XXXX XXXX {$19.00}. XXXX {$370.00} XXXX XXXX {$260.00} XXXX {$240.00} XXXX XXXX {$210.00} XXXX XXXX {$20.00} overdraft fee hold due to previous transaction. I called a total of 6 times and told them I was at work and had no access to my account. Seemed all the transactions were happening while I was speaking to them. And I was constantly placed on hold for a few minutes just for them to reroute my call back to the automated system just to have to explain everything all over again to someone else. No one actually did anything to help me only to allow the thieves time to get every last penny out of my account and then some. Then was told I couldnt even file a dispute because all transactions were pending and I would have to wait for them to post to dispute them, then wait another 14 days for provisional credit until they were done investigating disputes. They also didnt notify at all when someone went into my account and changed my email address, phone # and address. 3 different times today. They also allowed someone to create virtual cards on my account without notifying 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that many accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/2023XXXX XXXX XXXX XXXX XXXXXXXX of Florida called my home claiming to be with XXXX XXXX XXXX XXXX, later discovering the name of the company while having me signed a bogus contract electronic signature, the true company name is XXXX XXXX XXXX XXXX  of Florida. The following scammers are XXXX XXXX, XXXX XXXX and XXXX XXXX. The contract failed to disclosed " No Refund and Services Rendered. '' on the contract or " unearned fees '' charged. The caller gained trust by accurately identifying credit card numbers and name of creditor representing themselves as legitimate representative of XXXX XXXX XXXX XXXX, instead of XXXX XXXX XXXX XXXXXXXX of Florida. I was conned by these people of {$2000.00} to reduce credit card debt, instead it ADDED the {$2000.00} on top of the amount by Deceptive Trade Practice and Misrepresentation. I was instructed to STOP MAKING PAYMENTS for 45 days, in order for the account to be late and be in default, when my account was on AUTOPAYMENT each month. Later, I discovered there are two complaints within 1 year by the same people and ten complaints within 3 years by the same parties. All of the confidence game and con game were done over the phone under misrepresentation of the facts and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX The FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. 

I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. 

If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees.

Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees. 



I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SU - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T

he FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees. Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees. I attached all evidence and supporting documents. 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