vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
I am writing to formally dispute the fraudulent accounts listed below, which have been opened in my name without my knowledge or consent. These accounts have been reported to the credit bureaus XXXX, XXXX, and Equifax, and are a direct result of identity theft. I believe these accounts violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of credit information ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the unauthorized use of personal information ; and the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq., which ensures the accuracy and integrity of credit reporting. Despite my efforts to resolve this matter with the credit reporting agencies, these fraudulent accounts remain on my credit report, and I am requesting the intervention of the Consumer Financial Protection Bureau to ensure these violations are addressed and my credit report is corrected. 

The accounts are listed as the following : XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: IL

Complaint narrative:
I am writing to formally dispute the fraudulent accounts listed below, which have been opened in my name without my knowledge or consent. These accounts have been reported to the credit bureaus XXXXXXXX Experian, and XXXX, and are a direct result of identity theft. I believe these accounts violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of credit information ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the unauthorized use of personal information ; and the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq., which ensures the accuracy and integrity of credit reporting. Despite my efforts to resolve this matter with the credit reporting agencies, these fraudulent accounts remain on my credit report, and I am requesting the intervention of the Consumer Financial Protection Bureau to ensure these violations are addressed and my credit report is corrected. 

The accounts are listed as the following : XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-26 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: MS

Complaint narrative:
n 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. 
XXXX XXXXXXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2024-11-26 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: NC

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 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 2024-11-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: FL

Complaint narrative:
Please take an look into this debt, I've been trying to reach out to this company about this debt and haven't gotten an response. I'm wanting proof this debt is rightfully mines. I've sent this to the company for review and haven't received and response back. 

Dear General Rev, I am writing to formally dispute the private student loan debt referenced under account number XXXX. I recently received notification of this debt, but I do not believe it is valid or belongs to me. 

After reviewing the details provided, I have no record of incurring this loan, nor do I recall signing any documents associated with this debt. To clarify and resolve this matter, I respectfully request that you : Provide validation of the debt, including : A copy of the original promissory note with my signature. 
The full payment history, showing how the balance was calculated. 
Any additional documentation that proves I am the responsible party for this loan. 
Cease all collection efforts and remove any related negative entries from my credit report while this dispute is under review, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general if this matter is not resolved promptly and fairly. 

I appreciate your attention to this dispute and request a written response within 30 days confirming your findings. If you need further information from me to investigate this claim, feel free to contact me at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
Equifaxs dashboard incorrectly highlights that I have recent delinquency. No payments have been late since XX/XX/XXXX, aligned to the XXXX XXXXXXXX filing and dismissal XX/XX/XXXX. Equifax inaccurately reporting my payment status is harmful. 

A court appointed trustee completed the required account audit, which lead to eventual discharge as a result of on time payments to all creditors for a period of 5 years ( 60 ) months. 

Newest delinquent or derogatory payment status on your accounts is too recent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) assist in removing hard inquiries from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and related regulations. I have recently reviewed my credit report and identified several hard inquiries that I believe were made in violation of my rights, and I seek your intervention in addressing these issues. The following items I would like to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA ( Section 604 ), a credit inquiry is considered " hard '' when it is made as a result of a credit application, loan request, or any other action that may impact my credit score. Under the FCRA, these inquiries should only be recorded if I have authorized them. Unfortunately, I believe some of the inquiries on my credit report were made without my explicit permission or were based on incomplete or inaccurate information. 

In particular, I would like to highlight the following reasons for my request : Lack of Authorization : There are hard inquiries on my credit report that I do not recall authorizing. If these inquiries were made without my consent, they violate my rights under the FCRA. 

Inaccurate Reporting : Some of the inquiries on my credit report may be inaccurate, as I did not apply for credit with the entities listed, or the inquiries may have been made in error. As per CFPB regulations, credit reporting agencies are required to ensure the accuracy of information contained within credit reports ( 15 U.S.C. 1681e ( b ) ). 

Time Frame for Removal : Hard inquiries must be removed from a credit report after two years, but the inquiry may no longer be relevant to my credit score after the first year. I request that any outdated inquiries be removed as per CFPB regulations for data accuracy and fairness. 

Under the Fair Credit Reporting Act, I understand that I have the right to dispute any inaccuracies on my credit report directly with the credit bureaus. However, due to the circumstances surrounding these inquiries and the fact that they are affecting my creditworthiness, I request that you investigate this matter thoroughly and remove any unauthorized or incorrect hard inquiries from my report in accordance with federal law. 

Please let me know if additional documentation or information is needed to support my request. I would greatly appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.

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 2024-11-26 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt 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 explanation
Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-26 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: SC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00}

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 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I reported my debit card stolen to Bank of America and there was a fraudulent check posted to my account. I opened a claim with the fraud department. The claim number is XXXX XXXX and they said that they were going to remove this off of XXXX XXXX XXXXs and they havent so now Ive spoke to risk closures XXXX and they said they would review the claim and review my account and would have it removed in five business days. I called them today XXXX and they said theyre still waiting for a response from their back office team regarding this.

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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I noticed several unauthorized accounts on my credit report and request their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I froze my credit with Experian on the advice of legal counsel assigned to me through my company as a result of identity theft. I froze my credit with Experian online and was told I would receive a PIN via the mail. I never received a PIN via the mail. I attempted to unfreeze my credit on XX/XX/year> in order to open up a bank account for my own small business. I called the XXXX where an automated service agent fielded my call and did not allow me to speak to a human representative to unfreeze my credit. This was a repetitive cycle and did not offer resolution. I then called XXXX where a human answered the call and was unable to help me unlock my credit. I was then transferred back to the automated center without human support despite requesting a representative to the machine. I then submitted credentials via their online portal to identify myself to unlock my frozen account so that I could go in an manually unfreeze my credit. My credit has not been unfrozen and I can not access an alternative method to unlock my report with Experian.

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