vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-12-17 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: PA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-12-17 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:
The account XXXX XXXX XXXX XXXXXXXX with the number XXXX isnt right on my credit report. Its showing a rating of CollectionOrChargeOff, but that cant be true! You say it was opened on XXXX with a date of last activity as XXXX, but this info is incorrect. I want it deleted now! 

You also claimed it was last verified on XXXX. Under 15 U.S.C. 1681i, I have the right to know how you checked this. Please share that info with me. Plus, show me proof of the {$490.00}, since I know I dont owe this. 

By the way, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) said wrong stuff needs to be removed. Please take care of this. 

This is clearly a fraudulent attempt to continue reporting but is illegal according to FCRA LAWS. This will only lead to me attaining proper counsel as this is a recurring issue. 

As of XX/XX/XXXX, my report went from : XXXX XXXX XXXX  XXXX Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$490.00} Closed Date : -- Credit Limit : -- Creditor Remarks : UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$45000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Automobile TO : XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : - Company Sold : - Account Type : Auto Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Account charged off. {$45000.00} written off. {$490.00} past due as of XX/XX/XXXX. 
99 % Status Updated : XX/XX/XXXX Balance : {$490.00} Balance Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Paid Off Monthly Payment : - Past Due Amount : {$490.00} Original Balance : {$45000.00} Terms : 72 Months Responsibility : Individual

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My personal credit card account ending XXXX was lost and reported to both Bank of America and the credit bureau XX/XX/year>. Bank of America mishandled the account resolution and the concern presented to them, also charged additional fees and interest to my credit card account after the card was reported lost and closed. I did not have my card in my possession and also was not able to verify by phone with Bank of America or even access my accounts through the mobile application because my accounts and cellular device were both compromised. Bank of America then falsely updated the credit bureau with a new date closed as XX/XX/year> which is incorrect information because I have copies of the original credit bureau report showing the date I requested the card closure as XX/XX/year>. Bank of America caused additional fees and interest in the excess of {$350.00} to the account. I also had to pay the XXXX XXXX XXXX XXXXXXXX XXXX as well because the manager was cyberstalking me through my cellular device stating the funds were hers, these funds needed to be applied to my always timely paid credit card account. Additonally Bank of America associates altered the phone number on file to disallow me from being verified and my paper statements were also not being sent to me for thw above mentioned account.

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 2024-12-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Recently I found several issues with the noted credit inquiry ( ies ) and injurious versus me on my credit report that I have NO knowledge of any objectified proof of the required physically verified proof of valid permissible purpose much less demonstrated certified compliance of reporting even to the required XXXX XXXX format reporting standard ( s ), hence my check for descriptively and correctly perfect and lawful reporting and my challenge contesting ANY DEFICIENCY of reporting or PROOF OF MANDATED ASPECTS OF REPORTINGas is my consumer RIGHT TO DEMAND that only PROVABLE certified and COMPLIANT claims report versus me and my RIGHT TO FORCIBLY DEMAND ERADICATION of any claim ( s ) not compete and perfect in its evidence of verifiability, validity and or compliance of reporting. 

I can and will in a court of civil action versus you provide ample document evidence supporting the FACTS of your QUESTIONABLE REPORTING and as well clarity that indeed I followed the exact notification of the law and contacted the Credit Bureaus XXXX XXXX XXXX XXXX and OTHERS in complaint versus and contesting the certified compliance of the validity of these claims of Inquiry ( ies ) and any derogatory debt or delinquencies related, if any at all. 

I ALSO contacted the creditor ( s ) and or data furnisher ( s ) directly checking for compliant reporting evidence and contesting any claim in ANY MANNER as PERFECT CORRECT full PROVABLE VALID COMPLIANT CLAIMS are the MINIMUM REQUIREMENT for lawful reporting ( s ) not an OPTIONAL condition of it. 

Several representatives were not even capable of informing me that the name ( s ) and other personal identifier as listed on the inquiry ( ies ) and associated accounts ( if any ) did not match my submitted exact correct personal identifier strictly as I have included at the top and near bottom of this exact of deficiencies such as issues with name spelling or other identity indicators others could not provide me with any about the application because their firms DID NOT retain the on this inquiry. 

I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the facts that the was either not retained by the creditors or not mine or else wise is significantly invalidly. 

I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! In response, I am firing off this last resort requesting your appropriate actions to resolve this matter XXXX my soon to be filed civil complaint and lawsuit ( s ). 

Since your firm has knowingly violated both federal and state law, I am demanding that you CEASE all reporting activities IMMEDIATELY! Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
( XXXX XXXX  ) Ive made eight consecutive payments on this account. The balance shown is incorrect. Please update correct balance on credit report on XXXX and Trans Union.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
( XXXX XXXX  ) Ive made eight consecutive payments on this account. The balance shown is incorrect. Please update correct balance on credit report on experien and 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 2024-12-17 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect address remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 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 2024-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request to Remove PNC Bank Repossession and Charge-Off Entries To Whom It May Concern : I am writing to formally dispute and request the removal of inaccurate negative information reported by PNC Bank on my credit report. These entries include repossessions and charge-offs related to the following accounts : XXXX. XXXX XXXX XXXX ( Repossession ) XXXX. XXXX XXXX XXXX ( Repossession ) XXXX. PNC Bank Credit Card ( Charge-Off ) Background and Issue In XXXX, I provided evidence demonstrating that PNC Bank failed to give me adequate time and notice to pay off the balances of all three vehicles, despite my willingness to resolve the accounts. Specifically : I successfully paid off the XXXX XXXX XXXX, showcasing my commitment to fulfilling my financial obligations. 

Despite my efforts, PNC Bank repossessed the XXXX XXXX XXXX and the XXXX XXXX XXXX without properly allowing me the opportunity to make arrangements for payment or recovery. 

Regarding the PNC Bank Credit Card, I was never provided with the notice PNC Bank claims to have sent regarding final payment. I never received such correspondence, which denied me the opportunity to resolve the balance before the charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, creditors are required to provide proper notification and allow reasonable time for consumers to address outstanding balances before taking adverse actions, such as repossession or charge-offs. PNC Bank 's failure to meet these obligations has resulted in unjust damage to my credit profile. 

Formal Request I kindly request the following actions to resolve this matter : 1. Immediate Removal of the repossession entries for the XXXX XXXX XXXX and XXXX XXXX XXXX from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

2. Immediate Removal of the charge-off entry associated with the PNC Bank Credit Card . 

These negative items are unjust and inaccurate based on the circumstances described above. I have acted in good faith and believe PNC Bank 's handling of this matter failed to align with their obligations under federal law. 

Resolution I request that the CFPB review this matter thoroughly and take the necessary steps to ensure PNC Bank complies with its obligations under the FCRA. This resolution is essential to restoring my financial standing and ensuring accurate reporting. 

Thank you for your time and attention to this matter. Please confirm receipt of this letter and provide updates on the status of my request. I look forward to your swift action to resolve this issue fairly and accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: WA

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. 
XXXX XXXX XXXX XXXX  Account # XXXX Acc-type- installment 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 an 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 reporting agency if the person knows or has a 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 2024-12-17 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: WA

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. 
XXXX XXXX XXXX XXXX  Account # XXXX Acc-type- installment 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 an 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 reporting agency if the person knows or has a 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 2024-12-17 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: NV

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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 whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 information 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. 
15 U.S.C. 1681B ( 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