vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

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 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 person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

These companies have not and never do a thorough investigation nor do they provide proof in writing showing a thorough investigation or results. Furthermore I have not given written permission to anyone to report on my behalf on my credit reports or use my information. 

The following needs to deleted from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

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 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 person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

These companies have not and never do a thorough investigation nor do they provide proof in writing showing a thorough investigation or results. Furthermore I have not given written permission to anyone to report on my behalf on my credit reports or use my information. 

The following needs to deleted from my report XXXXXXXX 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 2024-12-06 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:
Ive identified errors in my credit report under 15 USC 16c-2, as some hard inquiries were made without my consent. Please delete these unauthorized inquiries promptly.

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 2024-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
On XX/XX/2024 Mountain Land Collections reported a collection to my credit report without ever properly notifying me before damaging my credit score. I never received any attempt to collect before they reported it to the credit bureau, nor was I able to dispute the validity of the debt. I also never received a bill from the originator XXXX XXXX XXXX XXXX. I properly received a bill from the hospital, XXXX XXXX XXXX XXXX, which I paid thinking I was all paid off with the visit. However I Never received a bill for this amount, or this wouldve been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My recent credit report lists several accounts that I suspect are fraudulent. I request these be investigated and 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX night. I deposited {$1200.00} dollars cash at TD bank ATM which located at XXXX XXXX XXXX XXXX XXXX VA XXXX. I deposited the money separately, first time was {$250.00}, and the transaction was successful, but at the second time I deposit {$1000.00}, the ATM machine pop out error said " This ATM is experiencing a technical problem and is unable to return XXXX or more deposit items " it asked me to enter the total amount of the last time inserted, so I entered {$1000.00} and ATM printed out XXXX pieces of receipts, I took them and went back home XXXX -- I went to the branch which the ATM located at, and told the whole things about what happened last night, the staff who is working here checked my account and told me that they already gave the {$1000.00} back to me as a credit. 
XX/XX/XXXX -- I found TD bank took {$730.00} from my account without any notice, I went back to the branch and they told me this is from my {$1000.00} credit, means they didn't recognize my {$1000.00} credit, and took XXXX of XXXX back. I didn't accept this result, so the store manager said he will send email to company to help me solve this problem and asked me to wait for several days. 
XX/XX/XXXX -- XXXX week pasted XXXX went back to branch to see if they have any results. manager 's answer was NO XX/XX/XXXX -- -I went to branch again, the manager still could not give me any results, and asked me called the number behind the debit card for further help. then I called the number and explained the whole things to them, after XXXX taking with them on the phone they told me the money will be back to my account XXXX -- - & XXXX was back to my account as a credit XX/XX/XXXX -- - They took the & XXXX back again XX/XX/XXXX -- I called them again and they said they need XXXX to figure it out and ask me to wait, promised me the money will go back to my account. 
XXXX -- - XXXX weeks pasted. The money is still not back. so I called back and they told me after their research they decide not to give my money back to me. 

3 months pasted since my money took by the ATM, because I don't speak XXXX I need pay more time to explain the things with them every time XXXX don't why they couldn't just open the ATM machine and check it out when the issue happened and they will see my money was stuck in their machine, I don't know why them couldn't check the camera and they will know how much money I deposit in the ATM .Every time I contact them they will let me wait at least XXXX week for the result, and don't give me any answer unless I call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: Kikoff Inc.
State: CA

Complaint narrative:
New evidence!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX RE : Supplemental Evidence of Identity Theft Account XXXX Dear Kikoff Lending LLC Representatives, I am writing to provide additional evidence supporting my claim that account XXXX was fraudulently opened in my name as a result of identity theft. I received a letter from XXXX XXXX, which confirmed after their investigation that I am a victim of identity theft. XXXX XXXX has verified that the account in question was opened fraudulently and has released me from any responsibility for the account. 

This conclusion aligns with the findings of the XXXX Police Department ( Incident Number : XXXX ), the Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ), and the actions of both XXXX and XXXX, which have already removed the fraudulent account from my credit reports. Despite these credible and consistent findings, Kikoff Lending continues to dispute my claim and has failed to provide any verifiable evidence to substantiate the validity of this account. 

Your reliance on irrelevant factors, such as my email address and phone number being used in the application process, is both insufficient and misleading. Possession of stolen credentials does not prove that I authorized the account or participated in its creation. By contrast, I have provided extensive evidence, including : 1. XXXX XXXX investigation findings, confirming identity theft. 


XXXX. XXXX Police Department Report, documenting the fraudulent account. 


XXXX. FTC Identity Theft Report, listing the account as fraudulent. 


XXXX Credit Bureau Actions , with XXXX and XXXX removing the account due to verified fraud. 



Demands and Legal Implications You are now the only entity continuing to report this fraudulent account, in clear violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 6 ) ( B ) : Prohibits furnishing information to Credit Reporting Agencies ( CRAs ) once notified of identity theft with supporting documentation.

15 U.S. Code 1681s-2 ( b ) : Requires furnishers to conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I found out some accounts, mortgages accounts that are using my personal information to making loans and open bank accounts and cleared Title of my name off from my property and they are kept using my personal information to make loans started from the year 2000 to current. Moreover, its effectively my taxes account and now I own IRS payments. These people used to living with me and they stole my mails from my mailbox and they used my important information such as my social security number, birthdate, my license number and my mortgages etc. I need help with this mess that I have no idea what to do and how to fix it please.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! 
The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
To Whom It XXXX Concern, I'm reaching out because Transunion is helping XXXX XXXX XXXX XXXX XXXX  put incorrect information on my credit report related to the account below : Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately.

Thank 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 2024-12-06 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: NC

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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 2024-12-06 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: PA

Complaint narrative:
My account with the following company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
My credit report contains incorrect entries involving hard inquiries I never approved, violating 15 USC 16c-2. Please take steps to remove them 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 2024-12-06 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: MD

Complaint narrative:
To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name XXXX XXXX XXXX XXXXXXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately. 
Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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:
To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXXXXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, State Emp CU of Maryland, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. 
Thank 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 explanation
Consumer complaint received 2024-12-06 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: AL

Complaint narrative:
Was a victim of data breach and identity theft XXXX, XXXX, XXXX from all 3 credit bureaus

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