vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-08-02 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My card was stolen from my apartment building lobby around XX/XX/XXXX with small purchases being made until XX/XX/XXXX. This went unnoticed as they were small purchases around my neighbourhood until XX/XX/XXXX when a large grocery order was made for {$250.00} when I realized that I lost my card and funds have been stolen. I submitted a claim with my bank, and a filed a police report with my local police district. Bank of America has denied my claim twice despite sending them a copy of the police report and an email from my landlord stating that they had found my photo identification, which was accompanied by bank card, in my apartment building. 

Bank of America said that because the purchases were made in my geographical area, and the purchases were frequent and small, they have denied my claim. I submitted an appeal stating that the card was stolen from my apartment building which explains why it was in the area and it was denied for a second time. The total amount stolen XXXX. 

Police Report # 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 monetary relief
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
Equifax can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and to my personal privacy. 

Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. 

I have given my instructions to the third-party agency XXXX, XXXX & Equifax to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information.

( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) XXXX XXXX  XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account 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 2024-08-02 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: CA

Complaint narrative:
To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
My name is XXXX XXXX debt collector XXXX XXXX XXXX referencing XXXX number XXXX is reporting on my transunion and XXXX. I've disputed with the company on XX/XX/year> on violation of communication when I sent a cease and desist letter that was mailed out, previously disputed XX/XX/year> debt validation of debt and never got a respond from debt collector, however I want to know method of validation with the names of individual, list of businesses who conducted the investigation so I could of answered accordingly. I've noticed on the XXXX that they are not registered to collect on this alleged debt. I've never got proper notification XXXX days prior debt was put on my report. My next steps will seek arbitration from credit bureaus, if this don't get resolve promptly. Has XXXX notified that this account is being disputed?

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 2024-08-02 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I have recently reviewed my credit report and identified the following inquiries as fraudulent : XXXX XXXX via dealer - XX/XX/year>XXXX XXXX XXXX - XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XX/XX/year> & XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX of XXXX - XX/XX/year> Accurate Financial Ser - XX/XX/year>, XX/XX/year>, XX/XX/year> & XXXX I did not authorize these inquiries, nor did I have any knowledge of these entities performing a credit check. Therefore, I am requesting that these fraudulent inquiries be removed from my credit report immediately. 
Attached to this letter are copies of my credit report highlighting the disputed inquiries, as well as a copy of my government-issued ID for verification purposes. I am also including a signed FTC Identity Theft Report and a police report documenting the fraudulent activity. 
Please investigate these unauthorized inquiries and remove them from my credit report. 
Additionally, I would appreciate confirmation in writing that these inquiries have been deleted. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
They are reporting 4 accounts on my credit as potentially negative and impacting my credit score I dont owe anything on those accounts I requested information showing the accounts are negative but they could provide me any of that information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX XXXX is doubling billing me. I called their customer service and was told by whoever answered the phone, I couldnt understand him, that they were not and he said they couldnt help me and refused to let me talk to anyone else. I contacted Chase and they are telling me that he company that is defrauding me will have to stop the auto pay. I pay the bill but they control what is charged to my account and I have to pay it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Filed A Dispute With Experian About A Fraud Account That Was Opend Up In My Name And Nothing Was Rectified.

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 2024-08-02 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: FL

Complaint narrative:
Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ EQUIFAX ] include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I called the XXXX at XXXX. I explained to them my situation. I lived with my grandma there a few years back. I moved out first and then my grandma moved out at a later time. When she moved, she owed back rent. I don't even remember signing any lease papers or anything. I called to ask about the amount that is on my credit report and I was asking how it can get paid and whether it can be a decreased amount. The representative I spoke to said its with a collection agency. Well, I received a letter from the collection agency saying that " the debt hasn't been with them since XXXX and they sent it back to the XXXX at XXXX ). XXXX at XXXX says they don have the debt. I requested a letter stating that and the lady ignored me. I then asked her, how come my grandma can still rent but I can't and she stated " it has something to do with her age, since she's older than me, she gets more benefits ''. I told the representative " this isn't fair at all ''. I am a XXXX XXXX XXXX single mother of XXXX XXXX  who is a college student. I have a rental subsidy that I need to use and no one will accept me due to this debt that is on my credit report in the amount of {$2500.00}. 


I called the XXXX on XX/XX/XXXX at XXXXXXXX XXXX and no one answered my phone call. 


On XX/XX/XXXX at XXXXXXXX XXXX I called the management company of the XXXX at XXXX, I explained my issue once more. The representative told me " someone will reach out to me, no one has reached out as of yet. I know it is only XX/XX/XXXX '' Yesterday XX/XX/XXXX at XXXXXXXX XXXX I drove to the XXXX at XXXX to explain my issue again and get some type of documentation of the debt they 'claim '' I owe, the lady said " I remember speaking to you the other day, The debt is written off '' I told her " I need some type of documentation like a lease or something so I can see myself how I owe this debt '' she looked around and said " she couldn't access the file at the time ''. I believe the file could have been accessed, she was just. being lazy because I was the only person in that leasing office, so she was more than capable of doing so. She asked me for my name and number, I gave her that information and so far nothing yet. On XX/XX/XXXX when I called she was able to access the file because when I asked her questions, she paused. So, now when I arrive in person, all the sudden you can't access the file and print me out the documents I am requesting. 


I don't have any date of this debt only the year which she told me was XXXX. I am demanding this be taken off my credit, or give me the documents so I can see for myself how I owe this money or settle for a lesser amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I have recently reviewed my credit report and identified the following inquiries as fraudulent : XXXX XXXX XXXX dealer - XX/XX/year> XXXX XXXX XXXX XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX of XXXX - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> I did not authorize these inquiries, nor did I have any knowledge of these entities performing a credit check. Therefore, I am requesting that these fraudulent inquiries be removed from my credit report immediately. 
Attached to this letter are copies of my credit report highlighting the disputed inquiries, as well as a copy of my government-issued ID for verification purposes. I am also including a signed FTC Identity Theft Report and a police report documenting the fraudulent activity. 
Please investigate these unauthorized inquiries and remove them from my credit report. 
Additionally, I would appreciate confirmation in writing that these inquiries have been deleted. 

Thank you for your prompt attention to this matter. 
Sincerely, 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