vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I requested the method of the Bankruptcy verification with XXXX  on XX/XX/year>, for an item disputed under the fair credit reporting Act 611 15 USC 1681 i, the source ( s ) of information used to verify disputed information, documentation, and evidence supporting the verification process supporting the verification, and detail explanation of your verification process, on XX/XX/year> XXXX responded and it had been verified, no other explanation. I gave them supporting documentation that the US BANKRUPTCY COURT XXXX DOES NOT VERIFY, OR HAVE A RELATIONSHIP WITH ANYONE TO VERIFY ACCURACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I talked to XXXX at XXXX bank about my interest rate raising to XXXX. I was told that in XXXX a memo was on my statement saying that I could opt out of this interest rate hike and close my account. 

1. this is robbery 2. I usually do not read my statement 3. The only option I have is to close my account 4. It would be nice that they would remind consumers of this interest hike from august to December.

5. There are no options either pay or close your account that is robbery, corecemnt -i am paying the top amount due to the company accessingmy credit report without my authorization. I have a good XXXX XXXX of almost XXXX this is ridiculous 6. there should be something done with these companies that prey on consumers.

The Barclays credit card interest rate is 19.49 % ( V ) to 32.74 % ( V ), depending on an applicant 's creditworthiness and the card they're applying for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and XXXX signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am submitting a formal complaint regarding multiple hard inquiries on my credit reports that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only permissible with my explicit consent. As these inquiries were made without my authorization, I am requesting that they be removed immediately from my credit reports. 

Below is a list of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following documents : Government-issued photo identification ( driver 's license or passport ) Social Security card copy Recent utility bill as proof of address An affidavit stating my non-authorization of these inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I am submitting a formal complaint regarding multiple hard inquiries on my credit reports that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only permissible with my explicit consent. As these inquiries were made without my authorization, I am requesting that they be removed immediately from my credit reports. 

Below is a list of unauthorized inquiries : XXXX XXXX  : XX/XX/year> ( XXXX, Experian ) XXXX : XX/XX/year> ( XXXX, Experian ) XXXX XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX  XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX XXXX  : XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX : XX/XX/year> XXXX Experian ) XXXX XXXX XXXX : XX/XX/year> XXXX Experian ) XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian XXXX XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX : XX/XX/year> ( XXXX ) XXXX  : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) To support my claim, I have attached the following documents : Government-issued photo identification ( driver 's license or passport ) Social Security card copy Recent utility bill as proof of address An affidavit stating my non-authorization of these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Follow-Up on Complaint Regarding Failure of Creditor to Provide Requested Documentation Complaint Number : XXXX Dear XXXX, I am writing to follow up on my previous complaint, referenced above, which was submitted to the CFPB regarding the inaccurate reporting of a charged-off business accounts by XXXX  XXXXXXXX XXXX XXXX XXXX. The creditor has failed to provide the requested documentation proving my authorization for the debt and the transfer of my personal information to a third-party debt collector. Additionally, I requested that they issue a Form 1099-C to confirm whether the debt has been forgiven or canceled.

As of the date of this letter, I have not received the necessary documentation or a substantive response from XXXX XXXX XXXX XXXX XXXXXXXX, despite multiple requests. I have also requested the following : XXXX. The original signed contract or application for the account.

2. Documentation proving my personal liability for the debt.

3. Proof of my authorization to share or transfer my personal information to a third-party debt collector.

4. Issuance of a Form 1099-C if the debt has been canceled.

These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). However, XXXX XXXX XXXX XXXX has failed to provide the requested documentation or a formal response. But continue to validate that they are reporting it accurate to XXXX per my dispute results from XXXX. 
I am asking the CFPB to assist in ensuring that the creditor complies with the legal obligations set forth by the FCRA and FDCPA, specifically : 15 U.S.C. 1681i : Verification of disputed information and removal if it can not be validated.

15 U.S.C. 1692c ( b ) : Restricting the transfer of my personal information to third-party debt collectors without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Follow-Up on Complaint Regarding Failure of Creditor to Provide Requested Documentation Complaint Number : XXXX Dear XXXX, I am writing to follow up on my previous complaint, referenced above, which was submitted to the CFPB regarding the inaccurate reporting of a charged-off business accounts by XXXX XXXXXXXX XXXX XXXX XXXX. The creditor has failed to provide the requested documentation proving my authorization for the debt and the transfer of my personal information to a third-party debt collector. Additionally, I requested that they issue a Form 1099-C to confirm whether the debt has been forgiven or canceled.

As of the date of this letter, I have not received the necessary documentation or a substantive response from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, despite multiple requests. I have also requested the following : 1. The original signed contract or application for the account.

2. Documentation proving my personal liability for the debt.

3. Proof of my authorization to share or transfer my personal information to a third-party debt collector.

4. Issuance of a Form 1099-C if the debt has been canceled.

These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). However, XXXX XXXX XXXX XXXX has failed to provide the requested documentation or a formal response. But continue to validate that they are reporting it accurate to Experian per my dispute results from Experian. 
I am asking the CFPB to assist in ensuring that the creditor complies with the legal obligations set forth by the FCRA and FDCPA, specifically : 15 U.S.C. 1681i : Verification of disputed information and removal if it can not be validated.

15 U.S.C. 1692c ( b ) : Restricting the transfer of my personal information to third-party debt collectors without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: VA

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Called XXXX XXXX XXXX spoke to agent known as XXXX who provided me with her employee ID # XXXX asked to speak to a supervisor as she could not understand me she passed the call to another employee names XXXX who refused to provide me with his employee Id as well as the Account number that I allegedly opened with XXXX XXXX XXXX recorded the time of the call was 1 hour and 26 min. 
" XXXX '' was very unprofessional and evasive and refused to provide me with any information numerous times including account number, policy information, his last name and employee Id. I suspect this is a fraudulent company and they are refusing to provide any information to be liable. I quoted laws and statute codes and was not provided any information concerning this account or that there even is an account. I told them it is showing up on my credit report and i have a right to know what it is and where it came from and was given absolutely no information except that id receive a call back and an email. I said from who and the employee agent would not tell me any names or information once again.

I have a right to face my accuser of any alleged claims or debts I have a right to know the information financial institutes have about me I have a right to dispute these false claims and be provided proof that they are legit, valid. and verified and I received none of this information .Pursuant 15 USC 1681 i have a right to know and see all supporting documentation that gives rise to and lawfully support the alleged obligations XXXX XXXX XXXX now claims. 
No account or contract was ever provided and that is not lawful or legal evidence to report on a consumer credit report. 
I want this corporation XXXX XXXX XXXX located at " XXXX XXXX XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Texas XXXX " to be held responsible for their deceptive practices and false reporting and I demand to be compensated for the wrongs taken against me via my consumer report. I have calculated at least 3 FDCPA Violations.

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