vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: GA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-04 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: CA

Complaint narrative:
this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: PA

Complaint narrative:
On XX/XX/year> I mailed out a very detailed dispute including my driver 's license ( that has my current address ) & also my social security card. I've also included the receipt from the Post Office that also has the tracking number for the mail. I received correspondence from Equifax dated XXXX XXXX saying the information I provided as proof of my identity does not match the information they currently have on my credit file. The letter also states they need me to resubmit my dispute with my Valid Social Security card and Driver 's license with my current mailing address ( which was all sent in with my initial dispute ). I have attached my dispute in it's entirety, the tracking number receipt and a copy of Equifax 's correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I got an email from Concora Credit thanking me for " registering '' an Indigo Mastercard account. At the same time I received an email confirming my enrollment in paperless billing. One minute later another email saying my email address had been updated. It offered a number to call if I had not authorized the change. I never even applied for the credit card! I've never registered ANYTHING with Concora Credit and in fact, have never heard of them. I called the number and in order to be " connected '' it asked me to provide my 9 digit social security number. I did NOT do this. I attempted to try and find other numbers for this creditor - every number I called requested my social security number which I refuse to provide so hung up. Later that same evening, I received a Credit Karma email stating that a hard pull on my credit report had been added to my credit report. I logged into my XXXX XXXX account and there it was - CB Indigo. I never applied for this card. Today, XX/XX/XXXX, I received a letter in the mail stating that my account was temporary blocked and in order to " access '' my account I would need to provide a copy of my driver 's license OR my US passport OR a military ID card. I do not have an Indigo Mastercard nor have I applied for one. I haven't registered ANY cards with Concora Credit and have never heard of them. Someone is trying to open a credit card using my personal information, made an unauthorized hard inquiry on my credit report and are now trying to obtain my personal identification numbers! How do I get this hard inquiry off of my credit and how do I get this account closed and report the fraudulent activity? There are no numbers to contact that do not require my social security number and I refuse to provide that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
In reviewing my credit report i noticed that there was a tradeline for XXXX XXXX in XXXX. i didn't open this loan. i sent over copy of police report a couple of months back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
In reviewing my credit report i noticed that there was a tradeline for XXXX XXXX  in XXXX. i didn't open this loan. i sent over copy of police report a couple of months back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
BLUESTEM/WEBBANK/FINGERHUT XX/XX/year> CAP XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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:
A self financial account was fraudulently opened in my name I didnt consent nor give anybody permission to open

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 2024-06-05 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
BRIDGCREST XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

XXXX  XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under XXXX billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX All account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand equifax provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

XXXX XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

CCBULTA XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under 1666b- billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX XXXX account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand equifax provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

XXXX XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Trying to access account online or on mobile app results in a request to enter an access code, the issue is there is no choice of my phone number or email address to receive an access code. To get an access code results in at least a 1/2 hour wait and navigating through automated customer assistance to get to a real customer associate to get an access code. I have spoken to BofA 10 times in the last 2 weeks to get this problem fixed, there has been no resolution. This seems to be an IT issue on B of A 's end and no one will help rectify it. My contact info is correct for my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Subject : Demand for Immediate Action and Notification of Intent to Sue Major Credit Bureaus Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus Involved : XXXX, XXXX, TransUnion Complaint Details : Dear Consumer Financial Protection Bureau, I am writing to demand immediate action regarding my unresolved complaints against XXXX, XXXX, and TransUnion. Despite multiple complaints and direct contacts, I have not received satisfactory resolutions. These issues include : Failure to Correct Inaccurate Information : Multiple disputes submitted with documentation, but necessary corrections not made. This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Lack of Response Within Required Timeframe : Credit bureaus have not responded within 30 days as required by the FCRA ( 15 U.S. Code 1681i ). 
Re-Reporting of Incorrect Information : Items previously removed were re-reported without justification ( 15 U.S. Code 1681i ).

Failure to Provide Requested Documentation : Requested documentation to support the accuracy of items was not provided ( 15 U.S. Code 1681g ). 
Reporting Non-Public Transaction Information : Credit bureaus reported my non-public transaction information, violating the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801-6809 ) .

I have sent a final notice of intent to sue to the credit bureaus due to their continued non-compliance. I request the CFPB to enforce federal laws and ensure these issues are resolved immediately.

Request for Compensation : I am seeking compensation for actual damages, statutory damages, punitive damages, and reimbursement for legal fees as allowed under the FCRA ( 15 U.S. Code 1681n and 15 U.S. Code 1681o ).

Relevant CFPB Authority : The Dodd-Frank Wall Street Reform and Consumer Protection Act grants the CFPB authority to enforce federal consumer financial laws, including the FCRA ( 12 U.S. Code 5511 ).

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, 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 2024-06-04 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: UT

Complaint narrative:
Subject : Demand for Immediate Action and Notification of Intent to Sue Major Credit Bureaus Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Involved : Equifax, XXXX, XXXX Complaint Details : Dear Consumer Financial Protection Bureau, I am writing to demand immediate action regarding my unresolved complaints against Equifax, XXXX, and XXXX. Despite multiple complaints and direct contacts, I have not received satisfactory resolutions. These issues include : Failure to Correct Inaccurate Information : Multiple disputes submitted with documentation, but necessary corrections not made. This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Lack of Response Within Required Timeframe : Credit bureaus have not responded within 30 days as required by the FCRA ( 15 U.S. Code 1681i ).

Re-Reporting of Incorrect Information : Items previously removed were re-reported without justification ( 15 U.S. Code 1681i ).

Failure to Provide Requested Documentation : Requested documentation to support the accuracy of items was not provided ( 15 U.S. Code 1681g ).

Reporting Non-Public Transaction Information : Credit bureaus reported my non-public transaction information, violating the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801-6809 ) .

I have sent a final notice of intent to sue to the credit bureaus due to their continued non-compliance. I request the CFPB to enforce federal laws and ensure these issues are resolved immediately.

Request for Compensation : I am seeking compensation for actual damages, statutory damages, punitive damages, and reimbursement for legal fees as allowed under the FCRA ( 15 U.S. Code 1681n and 15 U.S. Code 1681o ).

Relevant CFPB Authority : The Dodd-Frank Wall Street Reform and Consumer Protection Act grants the CFPB authority to enforce federal consumer financial laws, including the FCRA ( 12 U.S. Code 5511 ).

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, 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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX informed us of a fraud situation. 
They resolved that issue, informed us and for some reason sent us a check for {$98.00}. 
We cashed that and sent them a check for that same account- which they finally acknowledged receiving ( we have a copy of that letter ) The charge card had not been used for an extended period before the above events. 
We now get a monthly bill for fees We have talked to several people at XXXX but those conversations did not stop the monthly fee charge. 
They also say they can not cancel the card because od the outstanding balance Help! 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

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 2024-06-05 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: NC

Complaint narrative:
understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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:
This is one of several attempts to inform credit bureaus that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The records I'm questioning are related to no transactions involving the acquisition of products, services, or money that I initiated or authorized. Assuming no one cares, erase any information in my credit report that is the result of alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00}

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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