vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date XXXX XXXXXX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
( 1 ) BANK AMERICAXXXX XXXX XXXXXXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) XXXXXXXX XXXX  XXXX XXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
( 1 ) XXXX XXXXXXXX # XXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) BMO BANK NA- XXXXXXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.

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 2024-10-14 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: TN

Complaint narrative:
I reviewed my consumer reports and noticed I had XXXX late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX  in XXXX and XX/XX/2019. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of multiple unauthorized inquiries from my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), a consumer report may only be accessed with a permissible purpose, as stipulated by 15 U.S.C. 1681b. This statute requires that credit inquiries be based on legitimate grounds such as consumer authorization, a court order, or a transaction initiated by the consumer.

Upon review of my credit report, I identified numerous inquiries that I did not authorize and that do not meet the permissible purposes defined by the FCRA. Furthermore, 15 U.S.C. 1681e ( b ) obliges credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Additionally, 15 U.S.C. 1681s-2 ( a ) and ( b ) holds information providers responsible for reporting accurate information and not furnishing details if they have reasonable cause to believe the information may be inaccurate. 

Given these legal requirements, I request that the following unauthorized inquiries be immediately deleted from my credit report : Unauthorized Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me, and no permissible purpose exists for these entities to access my credit report. Therefore, I request the immediate removal of these inquiries from my credit report and that you provide a written confirmation once they have been deleted. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me should you require further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of multiple unauthorized inquiries from my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), a consumer report may only be accessed with a permissible purpose, as stipulated by 15 U.S.C. 1681b. This statute requires that credit inquiries be based on legitimate grounds such as consumer authorization, a court order, or a transaction initiated by the consumer.

Upon review of my credit report, I identified numerous inquiries that I did not authorize and that do not meet the permissible purposes defined by the FCRA. Furthermore, 15 U.S.C. 1681e ( b ) obliges credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Additionally, 15 U.S.C. 1681s-2 ( a ) and ( b ) holds information providers responsible for reporting accurate information and not furnishing details if they have reasonable cause to believe the information may be inaccurate. 

Given these legal requirements, I request that the following unauthorized inquiries be immediately deleted from my credit report : Unauthorized Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me, and no permissible purpose exists for these entities to access my credit report. Therefore, I request the immediate removal of these inquiries from my credit report and that you provide a written confirmation once they have been deleted. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me should you require further information.

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 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

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 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 2024-10-14 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: MD

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.

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 non-monetary relief
Consumer complaint received 2024-10-14 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my report dated XX/XX/year>, I have identified several discrepancies and accounts that I do not recognize. Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that you promptly investigate these items and either correct or remove them from my report.

The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, 15 U.S.C. 1681s-2 requires information providers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate. This regulation further obliges consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing, as they are either incomplete, inaccurate, or not mine : Accounts to be Investigated : XXXX XXXX XXXX : XXXX XXXX : XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX TransUnion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX : [ not listed ] XXXX : [ not listed XXXX TransUnion : XXXX I request that you promptly investigate these inaccuracies and provide me with a written response outlining the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. Should you require any further information from me to assist in your investigation, please feel free to reach out.

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 2024-10-14 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my report dated XX/XX/year>, I have identified several discrepancies and accounts that I do not recognize. Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that you promptly investigate these items and either correct or remove them from my report.

The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, 15 U.S.C. 1681s-2 requires information providers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate. This regulation further obliges consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing, as they are either incomplete, inaccurate, or not mine : Accounts to be Investigated : XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Experian XXXX XXXX XXXX : XXXX XXXX XXXX : [ not listed ] Experian : [ not listed XXXX XXXX : XXXX I request that you promptly investigate these inaccuracies and provide me with a written response outlining the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. Should you require any further information from me to assist in your investigation, please feel free to reach out.

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 2024-10-14 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:
Failure of Experian, XXXX, and XXXX to block information under XXXX5 U.S.C. 1681c-2 ( a ) I am writing to bring to your urgent attention, a matter concerning the NON-COMPLIANCE of Experian, XXXX, and XXXX with XXXXhe provisions set forth in 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information upon notification within four ( 4 ) business days. 

Regarding the following ID Complaint Numbers, as stated in my earlier email to the Consumer Financial Protection Bureau on XX/XX/year> ID-Complaint Number : XXXX ID-Complaint Number : XXXX ID-Complaint Number : XXXX I notified the aforementioned credit reporting agencies of erroneous information that requires blocking under the aforementioned statute. Despite this notification, the agencies have failed to adhere to the statutory timeline and have not blocked the disputed information. 

I thus ask the Consumer Financial Protection Bureau to step in right away to guarantee that my rights under the Fair Credit Reporting Act are upheld since Experian, XXXX, and XXXX have seriously damaged my finances and reputation by failing to comply with federal law. 

I kindly request prompt action by the Consumer Financial Protection Bureau to investigate this matter thoroughly and to enforce compliance with 15 U.S.C. 1681c-2 ( a ) by Experian, XXXX, and XXXX. 

My Next action is Legal Ramification against the CFPB as well as all the Credit Reporting Agencies that continues to violate my Consumer protection Rights. 

Thank you for your prompt 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains mistakes related to 15 USC 1681c-2. There are inquiries listed that I never authorized, and these are harming my credit. Please take action to remove them.

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 2024-10-14 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing this complaint regarding my Apple Card account with GS Bank USA due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my Apple Card account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but GS Bank USA has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : GS Bank USA has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but GS Bank USA failed to notify me.

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with GS Bank USA. The re-reporting of false information has severely damaged my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation