vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on it. Please remove this account from my report because it is hurting my ability to obtain credit. The company indicated that this account has been deleted from my report, but it still shows up.

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 2024-11-13 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Subject of Complaint : Request for Assistance with Inaccurate Credit Reporting and Debt Validation Complaint Details : I am filing this complaint to address the following issues related to my Experian credit report and the reporting of an alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Inaccurate Personal Information on Credit Report : I have previously requested Experian to update my personal information to reflect my correct details, including my name, date of birth, Social Security Number, and address. Despite multiple written requests dated XX/XX/year>, and XX/XX/year>, the incorrect information remains on my credit report. This discrepancy has significantly impacted my ability to purchase a home, as creditors are basing decisions on inaccurate data. 
Debt Validation Issues Related to XXXX XXXX : An alleged debt from XXXX XXXX  with Account # XXXX in the amount of {$11000.00} is reported on my credit report. I have sent formal debt validation requests to Experian, per the Fair Debt Collection Practices Act ( FDCPA ) requirements, requesting documentation such as : Proof of assignment showing that the debt was transferred from the original creditor. 
Detailed breakdown of the debt amount, including any fees or accrued interest. 
A copy of the original agreement bearing my signature. 
To date, Experian has not provided adequate documentation to substantiate this debt. Under FDCPA regulations, I requested that all collection activities cease until validation is provided. My attempts to resolve these issues with Experian have not been successful. 

Impact on Creditworthiness and Financial Well-Being : The inaccurate information and unvalidated debt continue to harm my credit score and impede my financial plans, including securing housing for my family. 
Resolution Requested : I request that the CFPB intervene to ensure Experian : Corrects the inaccurate personal information on my credit report. 
Provides appropriate documentation or removes the unvalidated XXXX XXXX debt from my report. 
Supporting Documentation : Copies of my previous requests to Experian ( XX/XX/year> ; XX/XX/year>XXXX  ). 
Identification documents ( Drivers License, Social Security Card ). 
Previous credit reports showing disputed information. 


Sincerely, 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 2024-11-13 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: TX

Complaint narrative:
The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to report. 

7 inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date 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 2024-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is trying to collect a debt they never gave me a chance to dispute. I never received any mail stating that they were collecting this debt and they are posing as XXXX on my credit report trying to collect this debt. I mailed them a letter attached and received no response from 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 2024-11-14 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: MA

Complaint narrative:
I am sending this complaint to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all account that were compromised or affected by this breach be immediately blocked and deleted from your records. 

XXXX XXXX Balance : {$27000.00} As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any account connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I am not liable for this debt with Allied collection Se. I do not have a contract with this collection agency. They did not provide me with the original contract as I requested.

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 2024-11-13 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:
The following accounts are the product of identity theft, I have reached out each respective creditor and as of yet they have not removed these accounts from my credit, please reach out to them on my behalf and resolve this issue. The accounts in question are as follows : XXXX XXXX- XXXX {$920.00} XXXX XXXX XXXX {$0.00} XXXX- XXXX {$940.00} XXXX- XXXX {$2700.00} XXXX XXXX {$4700.00} ( still on XXXX  ) XXXX  XXXX {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts are the product of identity theft, I have reached out each respective creditor and as of yet they have not removed these accounts from my credit, please reach out to them on my behalf and resolve this issue. The accounts in question are as follows : XXXXXXXX XXXX XXXXXXXX {$920.00} XXXX XXXX XXXX {$0.00} XXXX- XXXX {$940.00} XXXX- XXXX {$2700.00} XXXX XXXX {$4700.00} ( still on XXXX  ) XXXX  XXXX {$4700.00}

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 explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
These hard inquiries are frandulent and does not belong to me. I did not authorize this inquiries and have no record of requesting or applying for any credit or services from these companies. 

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/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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to report. 

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 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 2024-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
We called M & T Bank on XX/XX/XXXX to request that our auto-pay be canceled as we were closing on our house in a few weeks. I was told it was not necessary to make the XXXX payment as they would have the paperwork from the title company providing proof that we were under contract and preparing to close. Despite what they told us, they reported a 30 day late payment and although we have made a payment immediately upon discovering this, they refuse to assist with removal of delinquency from my credit reports or even provide a letter for my lender. I even asked for the proof that they told us we had to make the payments ( even though they told us otherwise ), but they refuse to do that either and instructed to their lawyer ( whom they also refused to provide contact information for ). Not only am I a XXXX XXXX, but I have a longstanding history of paying my mortgage on time.

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 2024-11-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been a victim of identity theft through XXXX XXXX XXXX XXXX XXXX, I recently discovered unauthorized activity related to my personal and financial information. Investigation revealed that my identity was compromised through BLACK MARKET Contacted XXXX XXXX 's customer support on I Notified my bank and credit reporting agencies I request your assistance in resolving 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 2024-11-13 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: Credimatico LLC
State: TX

Complaint narrative:
Back in XXXX I agreed to pay {$200.00} to pay off my loan completely, I scheduled the payment for the following Friday and was told it would be the final payment. Apparently someone made a mistake and I was only charged my usual monthly payment of {$160.00} not the {$210.00} that was pre arranged. I received a call from crediterium the day my last payment was made and the gentleman told me all payments had been made and i didn't owe anything. Now I have a collection agency calling me saying I owe {$500.00} due to the fact crediterium debited the wrong amount my account was considered past due, mind you I had been told by crediterium the loan had been paid off. This is crediteriums fault because I agreed to pay the {$210.00} but was only charged {$160.00}. They sold the account to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Round Dispute - Request for Permanent Removal/Block of Fraudulent Account Under 15 U.S.C. 1681c-2 ( a ) Dear Equifax, I am writing to follow up on my previous dispute regarding the account XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX, which I originally disputed due to identity theft and/or a data breach. As you are aware, under 15 U.S.C. 1681c-2 ( a ), when a consumer submits a dispute alleging identity theft, the credit reporting agency is required to block and remove the fraudulent information from the consumers credit report within four business days of receiving the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Five years ago, I got my first credit card with Bank of America account and credit cards ending in XXXX They started me off with a {$500.00} limit, and two years later, they bumped it up to {$1500.00}. I used that card regularly, paid off my bills on time, and never missed a payment. Last year, I had a bit of debt, but I started to pay it using the snowball method to bring my balance to XXXX. Later, on XX/XX/XXXX  Bank of America decided to close my account, I had no outstanding balance and a solid track record as a customer who always paid on time. 

On XX/XX/, they closed my account, citing reasons like inactivity, high balances across my cards, and insufficient credit history. None of this adds up. 

Right now, I am set to make annual income of {$90000.00} this year, and I earned {$70000.00} the last couple of years. I work for a reputable organization and have a good credit score of XXXX. I have never been late on a payment, dont have any collections, and there is nothing negative on my record. 

I have been using this card consistently for the past four years. My last big purchase was about {$1300.00} in XX/XX/, and I still used the card after thatjust less often because my other cards offer better rewards and higher limits. So, insufficient credit history? Really? I have 6 other credit cards, paid off a {$42000.00} auto loan, and paid off 2-3 unsecured personal loans with no issues. 

Can Bank of America explain what sufficient credit history even means in their book? Should I have had a mortgage when I was XXXX XXXX XXXX? 

I am asking for my account to be reinstated because the reasons for closing it dont match up with my records or reality.

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These hard inquiries are frandulent and does not belong to me. I did not authorize this inquiries and have no record of requesting or applying for any credit or services from these companies. 

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested that the bankruptcy be investigated for numerous inaccuracies with no response a settlement payout received over XXXX there shouldn't have been a bankrupt after payout 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 non-monetary relief
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief