vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 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 2024-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I discovered that Capital One has initiated multiple hard credit pulls that I did not initiate via XXXX XXXX, XXXX XXXX, and XXXX XXXX. In addition the use of XXXX Interactive with the numbers XXXX and XXXX have appeared on my credit reports and I have not initiated credit requests from XXXX XXXX this many times. There are in some cases 4 pulls in one month dating back to XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
My account was paid off on XX/XX/XXXX. I called that same night and confirmed with a representative that it was paid and there was nothing else needed from me. On XXXX I looked at account and realized it had not been closed. I called and was advised account is paid off but it had to be escalated to accounting due to a system issue. I have called 7 times in the last month and I keep getting told it's being worked on. My last call on XX/XX/XXXX i was informed it should be fixed by XXXX. I have still not received an update and my account is still open saying I have past due payments when I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted BofA regarding the rejection of my XXXX XXXX XXXX and expected a reasonable explanation. Instead, I received a generic response listing all possible reasons for rejection. Please refer to the attached. 

Allow me to address these points : Ineligible purchase : The charge was for a check-in luggage fee, which is eligible. 
Combined with a ticket purchase : The luggage fee was paid separately during flight check-in, not combined with the ticket. 
Reached maximum benefit for the year : At the time of the purchase, I had not yet reached the maximum benefit. 

I have documentation that supports all of the above. If you need this evidence, please let me know. 

The remaining reason is that " it wasn't made with a qualifying airline. '' This is vague without a clear, publicly accessible list of qualifying airlines. If this is the reason, I request that you provide a URL link to the list. Otherwise, please provide the specific reason for the rejection, along with supporting evidence. 

Thank you for your attention to this matter.

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 2024-10-13 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: VA

Complaint narrative:
I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Transunion consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The following accounts were opened in my name 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 fraudulent accounts and hard inquiries in question as well as a 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 2024-10-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXX is paid and closed and it's over seven years old.

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 2024-10-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXX  is paid and closed and it's over seven years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
XXXX sent my information to the credit bureaus stating that I owe {$1200.00} which I do not. I disputed the debt and it was verified as being correct and sent to a collection agency Amscher Collection Services however, this is not a correct amount. I owe for 1 month of service and {$93.00} in device payments totaling somewhere around {$350.00}. This is harmful to my credit scores and has caused a major drop in my credit, reduction of credit limits, and closing of accounts I have held for over 1-2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that appears to be fraudulent. This account is inaccurate and is negatively impacting my credit score, thus affecting my ability to obtain credit. I did not authorize this account, and I am requesting its immediate removal. 

Please take the necessary action to correct my credit report. Thank you for your attention to this issue.

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 2024-10-13 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 recently reviewed my credit report and noticed an account that appears to be fraudulent. This account is inaccurate and is negatively impacting my credit score, thus affecting my ability to obtain credit. I did not authorize this account, and I am requesting its immediate removal. 

Please take the necessary action to correct my credit report. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute Regarding Failure to Investigate Submitted Dispute Letters Dear Sir or Madam, I am writing to formally submit a complaint regarding the lack of proper investigation into my disputes by the credit bureaus, XXXX, Equifax and XXXX as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. My Social Security Number is [ XXXX ] for reference. 

On XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024 and XX/XX/2024, I submitted a dispute regarding inaccuracies found in my credit report to XXXX, Equifax and XXXX, specifically pertaining to the following negative items : 1. Identity errors : Wrong name, address, or social security number, leading to accounts belonging to someone else appearing on my credit report ; 2. Account status errors : Accounts listed as open when they actually closed, or vice versa ; 3. Payment history errors : Incorrectly reported late payments, when payments were made on time ; 4. Account duplication : The same account listed multiple times on the credit reports ; 5. Mixed file errors : Accounts belonging to someone with a similar name appearing on credit report ; 6. Data entry errors : Transposed numbers, incorrect dates, or typos in account information ; 7. Credit limit errors : Incorrect credit limit listed for accounts ; 8. Balance errors : Inaccurate current balances reported on accounts ; 9. Collection errors : Incorrectly reported debt in collections, including outdated or already paid debts ; 10. Bankruptcy errors : Inaccuracies in the date or details of bankruptcy filing ; 11. Inquiries errors : Credit inquiries listed that were NOT initiated by me.

As stipulated by the FCRA, credit reporting agencies are required to investigate all disputes within a reasonable time frame, typically 30 days. However, I have yet to receive a comprehensive resolution to my disputes. In addition to my initial dispute letters, I have not been provided with the results of any investigation, nor have I received any documentation demonstrating that a thorough review of my claims was conducted. 

This lack of investigation not only violates my consumer rights under the FCRA but has also had a detrimental impact on my creditworthiness. As a result, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the credit bureaus involved. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me should you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
HI, I first noticed a hard inquiry from XXXX XXXX in XX/XX/XXXX, on my Equifax report. I called them & they told me it was an error on their end, it should have just been a soft pull & instructed me to send an email to the manager that handles these issues. & He reached back out to me after a couple weeks stating he already notified Equifax to change the inquiry to soft pull & emailed me proof. I waited awhile & nothing was changed, XXXX XXXX told me I need to contact Equifax for the issue because they already did their part. I contacted Equifax several times & I did a dispute to remove this inquiry & they just ignored my request & stating they can not remove it or change the hard inquiry to soft only the company can. I am really exhausted with the back in forth from both XXXX XXXX XXXX Equifax, not properly doing their jobs right. In the 1st place I NEVER should of had a hard inquiry, XXXX XXXX is a loan company that works with XXXX XXXX cases to let you borrow from your future settlement & I borrowed a few thousands in XX/XX/XXXX & when my XXXX XXXX cases were settled in XX/XX/XXXX, my lawyers paid them back. I was told only time anything would show up on my credit report is if I didn't pay the loan back & the loan was paid back & I was NEVER told there would be a soft inquiry in the 1st place either, so I was shocked when I received a hard inquiry dating XXXX showing up almost a year later. This should be a simple fix to request to Equifax to remove the hard inquiry & change to soft inquiry or just no inquiry at all. This has caused my credit score to drop & I am in the process of preparing to buy my 1st home. It's causing me stress & extra time, to call both companies, just to get no where. I appreciate if they work together to get this matter corrected ASAP! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I have tried numerous attempts to get Cavalry Portfolio Recovery to remove fraudulent accounts from my credit file and never have anyone send me verification only harassing phone calls daily back to back everyday which I told them to stop calling me repeatedly and they will not stop. I have no knowledge of these fraudulent accounts they claim I owe and need these fraudulent accounts removed. I have also contacted XXXX, XXXX, and XXXX about sending verification of these fraudulent accounts and to have them removed but they have never removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX notified me that they would notify Equifax to remove a hard inquiry on my consumer report. As of XX/XX/XXXX the hard inquiry is still disclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/year> hard inquire from an pre approved card I never received XXXXXXXX XXXX XXXXXX/XX/year> hard inquire XXXXXXXX XXXX XXXX XXXXXX/XX/year> hard inquire from an pre approved card I never received

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 2024-10-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
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 explanation
Consumer complaint received 2024-10-13 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was reviewing my credit report and I realized I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damages to my report. It's a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TN

Complaint narrative:
I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX for the account opened XXXX XXXX, XXXX with account number XXXX, XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX XXXX  for the account opened XX/XX/XXXX with account number XXXX  Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

Company response to consumer: Closed with non-monetary relief