vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024 I applied for a credit card with Bank of America. They pulled my XXXX credit file the same day ( XX/XX/2024 ). 

The Bank of America application number is # XXXX Bank of America mailed a document request for Identity & Income verfication. I have attached this letter. I mailed the documents & forms back to BOA immediately, same day I received the letter. 

After many weeks of calling about the status of my application they finally sent a denial letter, XX/XX/2024 XXXX months later ( document attached ). I understand sometimes applications result in denial, that is fine. 

The problem is that Bank of America processed a SECOND Hard Inquiry on my XXXX credit file without my authorization on XX/XX/2024. I only applied for the XXXX credit card XXXX time on XX/XX/2024. I never submitted a second application. They took over 2 months to process my application even though I had sent the documents the same day I received a Document request letter from BOA. I never agreed to them hard pulling my credit well over a month after my application was submitted. 

Bank of America XXXX XXXX XXXX XXXX, TX 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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I called into avant credit card company asking why after I paid my account off in XXXX is it still showing active and also a balance. I settled and closed this account. I asked her to email a letter in writing and she kept putting me on hold after every question i asked her. she came back to tell me due to their company policy XXXX ( myself ) can not release authorization to the credit bureau for my Mortage company. ( what?!! ) I told her I have never heard of the credit card company stating I can't release my own information. Also I asked for the information in writing stating this account was suppose to be deleted she said she could not provide that to me. this account has yet to be updated and removed and still shows active after 60 days of my payment. this is so ridiculous I have to fight for what was promised to me after I paid to have this account settled and removed. I never received a letter and they will not issue a email. all I have is my bank statement proof and when I log on m y avant account its shows the debt was settled but still shows active after I closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
I am writing to demand the immediate removal of inaccurate and unverified negative items on my credit report. I have disputed these items in previous correspondence under the Fair Credit Reporting Act ( FCRA ) 611, yet no valid investigation has been conducted, and these inaccurate collections continue to be reported. All the listed accounts are unrecognizable and invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to demand the immediate removal of inaccurate and unverified negative items on my credit report. I have disputed these items in previous correspondence under the Fair Credit Reporting Act ( FCRA ) 611, yet no valid investigation has been conducted, and these inaccurate collections continue to be reported. All the listed accounts are unrecognizable and invalid.

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 2024-09-09 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: OH

Complaint narrative:
These inquiries do not pertain to me, nor do I have any link to the creditors listed.

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
on XX/XX/XXXX i wrote checks too electric company and 3 other bills XXXX XXXX there was no money taken out of account but i added XXXX dollars in to account at XXXXXXXX XXXXwell later that day i got a messagesaying there was not enough money in account well i called navy federal about this.i explaind all this to rep and was told check was returned on the XXXX i asked why was i told about this almost 2 days later and too let you no it did not show up on online bankingit was not put on register till the XXXX the XXXX i called XXXX  my electric company so i could pay bill, well they would not take payment saying bill was paid i was like what i did not understand any of this. well XXXX forward till XX/XX/XXXX and XXXX  calls with check bounced i asked them when were you notified of this they said on the XXXX of XXXX well navy federal said i had low funds XXXX the XXXX i asked XXXX  it took them 5 days to let you know the check bounced. this is not the first problem with this bank one time i called to get bank records and they sent a whole different persons bank records i should of left them at that moment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 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: AR

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding the unresolved negative accounts on my credit report. Despite multiple attempts to rectify these issues, they remain unresolved, causing significant distress and negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding the unresolved negative accounts on my credit report. Despite multiple attempts to rectify these issues, they remain unresolved, causing significant distress and negatively impacting my credit score.

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 2024-09-09 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XXXX Resorts In XX/XX/year> and XX/XX/year> ). These CAN NOT be accurate because both the XX/XX/year> and XX/XX/year> late payment says they were both 120 days late but on XX/XX/year>, it shows that the payment was made on time, which is CLEARLY INACCURATE. I demand these payments be updated to paid on time immediately or that the entire account be deleted. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
When I found out about this debt, I worked out an agreement with the collector to pay back the amount owed. I asked the company to allow me the Servicemember 's Civil Relief Act to reduce the interest rate. The company denied my request even though I submitted my active-duty orders via the email address I was given, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 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: NV

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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 2024-09-09 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: Certified Credit Reporting, Inc.
State: AZ

Complaint narrative:
IT REPORTING ACT OF 1974 P.L. 90-321 ( 82 ) STAT 146 NO AGENCY CAN PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. I WOULD LIKE EVERYTHING REMOVED WITHIN FOUR DAYS THAT I DID NOT GIVE WRITTEN CONSENT TO, AND I DID NOT GIVE XXXX XXXX  NOR THE OTHER THREE AGENCY MY WRITTEN CONSENT TO FURNISH ANYTHING ON MY CCONSUMER REPORT. NOR DID I CONSENT AS I HAVE PREVIOUSLY STATED AND NOTED I DO NOT AGREE TO ANY HIDDEN OR REVISED CONTRSCTS OR COMMERICAL AGREEMENTS ACCORDING TO UCC 1-308 WITHOUT PREJUDICE XXXX XXXX XXXX XXXX I WOULD LIKE TO BE PAID {$1.00}, XXXX PER VIOLATION WITHIN SEVEN DAYS ANY DAYS AFTERWARD, I WISH TO BE PAID XXXX VIOLATION EVERDAY FOLLOWING THE SEVEN DAYS. I WISH TO EXERCISE THE CONSUMER OPT-PUT LAW UNTIL I GIVE WRITTEN CONSENT TO OPT-IN AGAIN. I WOULD LIKE EVERYTHING REMOVED FROM MY CONSUMER REPORT THAT I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY INFORMATION ON MY CONSUMER REPORT. I ALSO WISH THAT ALL NEGATORY REMARKS and ALL negative consumer reporting on my consumer report. BE REMOVED, as well as OLD ADDRESSES, PHONE NUMBERS, NAMES OTHER THAN THE NAME ON ME THE CONSUMER SOCIAL SECURITY CARD. 

I AM SURE YOULL KNOW THAT REPORTING TRANSACTIONS HISTORY IS ILLEGAL. I AM HOPING WE CAN HANDLE THIS AMICABLY AND HONORABLY, IN GOOD FAITH MOVING FORWARD and yall will comply with the law. AGAIN I WANT TO EXERCISE MY RIGHT AS A CONSUMER TO THE CONSUMER OPT-OUT LAW until I revoke this in writing. I have never received a privacy notice before any information was furnished on my consumer report. 

I do not consent to ANY THAT INCLUDES XXXX XXXX  XXXX, XXXX, XXXX, non affliliated.. I wish for this to be handled in the time frame specified in the above context of this NOTICE. 

UCC 1-308 Without Prejudice I reserve all my rights. I do not consent to any hidden or revised contracts or commercial agreements. 

I RESERVE ALL MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: GA

Complaint narrative:
I am not connected to the mentioned creditors, and these inquiries are not mine.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report and found errors regarding my payment history on certain accounts. I have never been late on the following accounts. According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. These errors have significantly impacted my livelihood by preventing me from obtaining other credit Account name XXXX 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report and found errors regarding my payment history on certain accounts. I have never been late on the following accounts. According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. These errors have significantly impacted my livelihood by preventing me from obtaining other credit Account name XXXX 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To : XXXX Wed, XX/XX/2023 at XXXXXXXX XXXX RE : Account # XXXX DEBT VALIDATION LETTER To whom it may concern, This letter is being sent to you in response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe the information is inaccurate due to a data breach that I was affected by, which has caused fraudulent activity on my accounts. The breach has led to unauthorized transactions and accounts being opened in my name, resulting in incorrect and damaging information on my credit report. 

I appreciate your prompt attention to this matter and expect a response within the 30-day period as required by law. Please confirm receipt of this letter and keep me informed about the investigation 's progress.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe the information is inaccurate due to a data breach that I was affected by, which has caused fraudulent activity on my accounts. The breach has led to unauthorized transactions and accounts being opened in my name, resulting in incorrect and damaging information on my credit report. 

I appreciate your prompt attention to this matter and expect a response within the 30-day period as required by law. Please confirm receipt of this letter and keep me informed about the investigation 's progress.

Company response to consumer: Closed with explanation