vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: MA

Complaint narrative:
Formal Dispute of Unauthorized Credit Inquiry by Experian Bus Info Solutions I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Experian Bus Info Solutions Inquiry Date : XX/XX/year> Alert Date : XX/XX/year> Business Type : XXXX Contact Information : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Experian Bus Info Solutions was made without my explicit consent. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer.

Misleading Practices : This inquiry was conducted under misleading circumstances. The FCRA mandates transparency and proper authorization for credit inquiries, which were not observed in this instance. 

Violation of Consumer Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my credit score and may affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries.

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred due to this violation.

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the following information in my credit report. I have reviewed my credit report from your bureau and found several inaccuracies that I believe need to be corrected under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). 

The information I am disputing is as follows 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 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 
2. **Date of Last Activity : ** Conflicting dates with other credit bureaus. 
3. **Date Reported : ** Different across XXXX XXXX Experian, and XXXX XXXX 
4. **Account Description and Status : ** Various discrepancies and unresolved disputes reported inaccurately. 

Please find attached copies of my credit report from Experian, XXXX, and XXXX, highlighting the discrepancies in the information reported by each bureau. I have also included copies of any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
A strange account from Citizens Bank ( Citizens Pay Credit LI ) appears on my credit. I have no idea who applied for this line of credit or why it is showing on my report. this is a fraudulent account and it needs to be removed from my personal information reporting to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: MN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
My account with US DEPT ED 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 60 days 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. US DEPT ED 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: WV

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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have screen shots of some of them I do have a life to live its hard to keep up they are working against I just one and it's just me so it's hard to keep up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: UNITED STATES MINOR OUTLYING ISLANDS

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 2024-08-05 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: CA

Complaint narrative:
This account was reported as a collection on the following XXXX I lost my wallet which had all my personal information years ago Ive been expieriencing things like this, I have no knowledge of this acct. 
This inaccurate information falsely manipulates the statute of limitations. Therefore has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : 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 2024-08-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
For the past few months, my credit report has been showing a collection account under the name CREDIT COLL ( XXXX ) that I have fully paid off and marked as paid, yet it remains on my credit history. I disputed the information regarding this account in writing, requesting the reasons for its continued presence on my report after the debt was settled. However, I have not received any response from the collection agency. Therefore, I decided to file this complaint, stating that the account is presenting discrepancies among the XXXX credit bureaus, which is even more concerning because, according to my research, the lack of information or inaccurate reporting among the XXXX credit bureaus constitutes a violation of 15 USC 1681e ( b ). The fact that it remains on my report as it is causes harm to me, especially since I have fulfilled my obligations to them in full. They are also violating the following sections of 15 USC : 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX payment for {$6100.00} was drafted from our WFB ( Wells Fargo Bank ) joint checking account ending in XXXX on XX/XX/year>. 
This payment was made 10 days prior to the XXXX due date of XX/XX/year> which would have brought our balance to zero as of XX/XX/year>. 

Payment was made through the Bill Pay feature to the WFB credit card ending in XXXX. 
It is lost and has never posted to our credit card, it remains debited from our joint checking as of XX/XX/year>. 

As a result, we have incurred a finance charge that would have been avoided had the payment been posted on time. And there show a balance due by XX/XX/year>. 
This balance reflects new purchases, merchant credits and a wrongly applied finance charge for the billing period.

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 2024-08-05 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
I'm writing to confer my XXXX as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/2024, I got an email from American Express reminding me to use my prepaid card that was a graduation gift from a family member. I then logged onto American Express so I could do that and saw that of the {$250.00} total amount, someone in California had used {$240.00} to get a target gift card. So I reported that as fraud and, at that point, the charge was still pending. It was debited by American Express on XX/XX/XXXX. I was told that it would be fine since I put a complaint in before the amount was debited. They just got back to me and said it was denied. I asked for an explanation of why and requested to arbitrate.

Company response to consumer: Closed with explanation