vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 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:
Consumer Reporting Agencies play a crucial role in compiling and assessing consumer credit information. It is essential that they fulfill these responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The banking system relies on fair and accurate credit reporting, and unfair reporting practices undermine public confidence, which is vital to the banking system 's integrity. I never provided explicit, written consent for these consumer reporting agencies to report my information, violating 15 U.S. Code 1681b ( 2 ). This has led to alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX and I am writing this statement on my own behalf. Per 15USC Code 1681S02 ( a ) ( 1 ) ( a ( & ( c ) of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my consumer credit reports s they violate my rights as a federally protected consumer. Per the US Codes provides, they summarize that is is NO-Permissible for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, i am demanding the deletion and removal of ALL the accounts listed in this report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
To whom this may concern, my name is XXXX XXXX and I am writing this statement on my own behalf. Per 15USC Code 1681S02 ( a ) ( 1 ) ( a ( & ( c ) of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my consumer credit reports s they violate my rights as a federally protected consumer. Per the US Codes provides, they summarize that is is NO-Permissible for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, i am demanding the deletion and removal of ALL the accounts listed in this 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 2024-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On these dates, an hard inquiry was made on my account. I called BOA to confirm, and also my credit burueas as I also have freezes in place, these are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I only apply XXXX a year, and I have not done so at all.

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 2024-07-10 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: NY

Complaint narrative:
Recently contacted transunion and a credit card professional and was informed about four hard inquiries that I am unfamiliar with and also a medical bill debt I was not aware or in use of.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUEBILL, INC
State: MD

Complaint narrative:
ROCKETXXXX  - the account was paid in full and the account was closed in XX/XX/year>. Even though paid in full, a {$1.00} interest charge was applied to the account. Thinking the account was closed, I never again logged into the account. Apparently, this unwarranted interest charge continued to accrue, and a late fee was assessed to the account & ultimately a late payment was reported to the credit agencies. How can a financial institution charge interest when the balance is paid in full, on time?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
I am writing to follow up on a previous dispute regarding an unauthorized hard inquiry on my credit report. Despite my initial request, this inquiry has not been removed. XXXX and XXXX have successfully removed the inquiries I disputed with them, and I am seeking your assistance to ensure you do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-10 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: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX 
Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within XXXX days of the enactment of the XXXX XXXX XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
XXXX XXXX XXXX XXXXXXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures XXXX of identity XXXX documentation

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 2024-07-10 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year>, I commenced a reinvestigation through XXXX. The account came back updated within a relatively short period of time. The same day of XX/XX/year> in fact.

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 2024-07-10 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: NC

Complaint narrative:
I ask Experian for the records the FURNISHER or Vendor used to Verify my on going dispute. I personally called XXXX XXXX said they don't have any information with my name and Social security number. XXXX, XXXX is out of business no phone available, I mailed letters no response. My question is how can the FURNISHER and Vendor, verify or update my information. XXXX XXXX don't have any information, XXXX, XXXX companies have no phone numbers available. Experian sent this card saying they what the Fair Credit Reporting Act is. I will keep filing complaint until this inaccuracies are permanently removed from my credit report.

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 2024-07-10 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: PA

Complaint narrative:
My information was exposed on the XXXX data breech. I recently noticed fraudulent inquiries. Please remove these from my report. 

Name : US DEPARTMENT OF EDU Date of inquiry XX/XX/year> Name : XXXXXXXX XXXX Date of inquiry XX/XX/year> Creditor Name : XXXX XXXX Inquiry date : XX/XX/year> Creditor Name : XXXX XXXX XXXX Inquiry date : XX/XX/year> Creditor : XXXX XXXX Inquiry date : XX/XX/year>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
Consumer complaint received 2024-07-10 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:
To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( a ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the Federal Codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights and I am demanding the deletion and removal of ALL the listed accounts mentioned IMMEDIATELY! Additional Unauthorized Hard Inquiries : XXXX 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 2024-07-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was given a {$500.00} AMEX gift card as a bonus at work. I have tried multiple times to use the AMEX gift card online at XXXX, XXXX XXXX, and other stores. I tried adding it to my XXXX XXXX. It gets declined every time. I have not been able to use the funds at all. 

I tried calling AMEX and their customer support was not helpful. They could not give me information on where the card would be valid, they just said keep trying it. I have no problems using XXXX XXXX XXXX in the past. Only this AMEX card can not be used. I have a receipt showing the card was activated and it should work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

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 2024-07-10 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a 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 2024-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I ask XXXX for the records the FURNISHER or Vendor used to Verify my on going dispute. I personally called Capital one said they don't have any information with my name and Social security number. XXXX, XXXX is out of business no phone available, I mailed letters no response. My question is how can the FURNISHER and Vendor, verify or update my information. Capital One don't have any information, XXXX, XXXX companies have no phone numbers available. XXXX sent this card saying they what the Fair Credit Reporting Act is. I will keep filing complaint until this inaccuracies are permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MD

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-10 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: MOHELA
State: WI

Complaint narrative:
The information that has been provided to the credit companies in regard to me co-signing for a student loan is incorrect. I been a victim of identity theft over the last 10 years or more. I have placed credit freeze ( more than a few times ) and credit alert in my credit report. The reason I never knew about these accounts is because I never received any bills or statements. I would never open an account and not pay it off. I'm XXXX XXXX XXXX. If anyone would take the time to check the address were these bills are being sent that should make it clear this is not my account or just check how I have paid my bills over the past almost XXXX  years. Will, someone please rectify these issues in my credit report Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation