vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: PA

Complaint narrative:
My credit report is showing an unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) | am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: OH

Complaint narrative:
I am writing to demand immediate action regarding the fraudulent information present on my credit report. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the removal of all unauthorized and incorrect information. You are legally obligated to act swiftly and comply with my demands, Violations and FCRA Codes : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block You are required by law to block any information resulting from identity theft within FOUR BUSINESS DAYS upon receiving proof. I have enclosed my FTC Identity Theft Report and relevant police reports as evidence. You MUST comply immediately. 
2. FCRA 611 ( 15 U.S.C. 1681i ) : Dispute Process and Investigation You are mandated to investigate and remove any disputed information within 30 DAYS. If you can not verify the information, it must be DELETED. Failure to comply will be viewed as a direct violation of federal law. 
3. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Providing Records to Victims of Identity Theft I am formally requesting that you provide copies of all records related to the fraudulent accounts and inquiries linked to my identity. This is my right as a victim of identity theft, and I expect immediate compliance. 
4. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of Furnishers of Information Furnishers are legally required to ensure the accuracy and integrity of the information they report. They must correct any inaccuracies or face penalties. Non-compliance will not be tolerated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my credit report ( XXXX XXXX XXXX XXXX ). Please remove these accounts from my report they are hurting my ability to obtain credit. I have never had an account with the creditor on this collection. This is a result of fraud and is to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: TX

Complaint narrative:
XXXX, XXXX, and Transunion credit reporting agencys ' has violated my rights of privacy through a recent data breach ; allowing exposure of my information to computer hackers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my credit report ( XXXX XXXX XXXX XXXX ). Please remove these accounts from my report they are hurting my ability to obtain credit. I have never had an account with the creditor on this collection. This is a result of fraud and is to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: OH

Complaint narrative:
I am writing to demand immediate action regarding the fraudulent information present on my credit report. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the removal of all unauthorized and incorrect information. You are legally obligated to act swiftly and comply with my demands, Violations and FCRA Codes : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block You are required by law to block any information resulting from identity theft within FOUR BUSINESS DAYS upon receiving proof. I have enclosed my FTC Identity Theft Report and relevant police reports as evidence. You MUST comply immediately. 
2. FCRA 611 ( 15 U.S.C. 1681i ) : Dispute Process and Investigation You are mandated to investigate and remove any disputed information within 30 DAYS. If you can not verify the information, it must be DELETED. Failure to comply will be viewed as a direct violation of federal law. 
3. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Providing Records to Victims of Identity Theft I am formally requesting that you provide copies of all records related to the fraudulent accounts and inquiries linked to my identity. This is my right as a victim of identity theft, and I expect immediate compliance. 
4. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of Furnishers of Information Furnishers are legally required to ensure the accuracy and integrity of the information they report. They must correct any inaccuracies or face penalties. Non-compliance will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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/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 2024-10-26 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Kindly remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I would appreciate a notification regarding the actions taken. Thank you for your swift attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: DC

Complaint narrative:
The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at XXXX. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
During COVID they encouraged me to put student loan in SAVE plan, misled about interest and then sold loan off without informing me to AidVantage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I contacted Capitol One, regarding my Kohl 's Card because I noticed they are reporting a new XXXX XXXX  open on my credit report. Kohls and Capitol One converted my account to a XXXX XXXX, without my permission. I called to discuss this, and was told I could convert the card back to a basic Kohl 's only card, but that it is still serviced by Capitol One, and the rep explained that Capitol One is already the account servicer for Kohls. ( Additionally, this doesn't make any sense, now that I think about it, because they shouldn't need my permission to change back what they changed without my permission in the first place. ) To complete the transaction, I was asked to verify my identity with a 6 digit code via text, which sounded normal, but the rep read a disclosure statement that I had to agree to, in order to receive the text. Normally they just want you to consent to message and data rates, but this disclosure included consent for your wireless carrier to disclose any and all account information to Capitol One, in perpetuity, then said this information would be used for the purpose on confirming my identity- and this is what I thought was strange. Why would Capitol One need consent for my wireless account information? I told them that I did not consent to this and asked if was another way to verify, and they said no. I even thought that maybe I was misunderstanding the rep, so I asked him to read the disclosure again, which he did, and I heard the same information, again. I didn't have a problem with receiving a text, message data rates, but I object to giving unlimited access to my wireless account. They said they couldn't complete the transaction without it, so I closed my account. But I thought this seemed incredibly strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
In XXXX of 2024 BRIDGECREST was paid twice, with both payments being processed and applied to the past due balance. The notice from XXXX end month stated the past due balance was {$960.00}. 

They were then paid {$470.00} and the payment is cleared at my bank. 

They were paid a second payment of {$450.00}, also cleared at my bank. 

The past due amount in the XXXX month end notice as of today regardless of CFPB letter sent has increased, no payment deduction made. 

There have also been harassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: NJ

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX XXXX account, as reported on my credit file. My review has identified significant compliance issues that fail to meet Metro 2 standards. Due to the ongoing inconsistencies in reporting, I am formally requesting the immediate deletion of this account from my credit report. 1. Inconsistent Payment Status : XXXX reports the account status as Not more than three payments past due, XXXX as 60 days past due, and Experian as Account delinquent 60 days past due. The inconsistent reporting of the payment status across the bureaus is a blatant violation of Metro 2 standards, which mandate uniform reporting. If XXXX XXXX XXXX can not rectify this inconsistency across all bureaus, I demand the account be deleted. 2. Conflicting Worst Delinquency : XXXX lists the worst delinquency as 30 days past due, XXXX as 60 days past due, and Experian shows 60 days delinquent. Such conflicting information is a failure to comply with data consistency requirements, rendering this account unverifiable. If a standard delinquency can not be provided, this account should be removed. XXXX. Erratic Last Activity Dates : The last activity date varies significantly, with XXXX listing it as XX/XX/year>, XXXX as XX/XX/year>, and no date reported for Experian. This inconsistency violates the requirement for accurate, consistent reporting, and if not corrected, the account should be deleted from my report. 4. Irregular 2-Year Payment History : The payment history reflects 30 and 60-day late payments inconsistently across bureaus, with various months marked differently. The lack of uniformity in reporting payment history further violates Metro 2 standards and raises questions about the datas reliability. If XXXX XXXX XXXX can not align this payment history accurately, I request this account be removed. 5. Inconsistent Reporting of Derogatory Events : Each bureau displays different derogatory events, with XXXX showing 30-day lates in XX/XX/year>, XXXX showing a 60-day late for XX/XX/year>, and Experian showing various derogatory statuses. This inconsistent reporting violates Metro 2 standards and calls into question the accuracy of the entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They also aren't providing me with an updated credit report. ( XXXX XXXX XXXX ) This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They also aren't providing me with an updated credit report. ( XXXX & XXXX ) This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation