vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: CT

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-12-15 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: GA

Complaint narrative:
Fraudulent Activity on Credit File To Whom It May Concern, I am writing to report fraudulent activity on my credit file, which has been ongoing since XXXX. Despite numerous disputes and reports to the police department, the unauthorized transactions and personal information remain on my record. 
The fraudulent activity includes [ list specific transactions or accounts ]. I have consistently disputed these entries, providing documentation and verification of my identity. However, the credit reporting agencies have failed to remove the inaccurate information. 
Furthermore, I believe my personal information has been compromised and sold, as I continue to receive unsolicited offers and notices related to these fraudulent accounts. 
I request immediate attention to rectify this situation, remove the fraudulent activity, and take measures to protect my credit information.

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 2024-12-15 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: GA

Complaint narrative:
Fraudulent Activity on Credit File To Whom It May Concern, I am writing to report fraudulent activity on my credit file, which has been ongoing since 2019. Despite numerous disputes and reports to the police department, the unauthorized transactions and personal information remain on my record. The fraudulent activity includes [ list specific
transactions or accounts ]. I have consistently disputed these entries, providing documentation and verification of my identity. However, the credit reporting agencies have failed to remove the inaccurate information. 
Furthermore, I believe my personal information has been compromised and sold, as I continue to receive unsolicited offers and notices related to these fraudulent accounts. 
I request immediate attention to rectify this situation, remove the fraudulent activity, and take measures to protect my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account 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 non-monetary relief
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX  on XXXX XXXX, XXXX under account number XXXX, XXXXXXXX XXXX  on XX/XX/XXXX under account XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX and XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-14 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 disputing a fraudulent collection reporting on my credit report. I already disputed and reported this fraudulent account directly to XXXX and provided them the police reported dated on XX/XX/year>, which they deleted the fraudulent account from all three of my credit reports. However, after reviewing my credit, I was very frustrated when I saw that there was a collections account being reported on my credit that charge on my account in the amount of {$740.00}. 

I was a victim of identity theft, and those XXXX charges did not belong to me. Please see the enclosed police report, dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NH

Complaint narrative:
I did not authorize the following hard inquiries on my credit report in any capacity, meaning that these were reported without my consent : TransUnion : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 )

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX, which is a security firm, keeps charging my credit card. I have called them plus Bank of America to request these charges stop ASAP. I have even cancelled my credit card twice with BOA. BOA keeps alleging that XXXX is bypassing the bank, and going to directly to XXXX to improperly charge my credit card. This is fraudulent and suspicious behavior in my opinion, and I need for this to cease and desist 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 monetary relief
Consumer complaint received 2024-12-14 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: MD

Complaint narrative:
There is a collection account for {$3500.00} for XXXX XXXX XXXX the account was settled with the debt collection agency as a pay to delete the payment was processed on XXXX The account was never deleted from my Experian I filed a dispute however they refuse to delete this off of my credit.

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 2024-12-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
My son had caused damages to an apartment upon move out inspection ; in the amount of {$360.00}. I was a co-signer. The Management agreed to allow me to participate in a payment plan towards settlement. I dropped off the first payment ( {$90.00} ) & written agreement. In the meantime the Management forwarded the entire balance ( {$360.00} ) without giving me credit for the ( 1 ) payment to Collections ( which should have resulted in approximate {$270.00} balance ). I contacted the Collections Debtor & advised them I am disputing the validity of the Debt which is in my Right. The Collections Debtor proceeded to try and COERCE, BULLY, & HARRASS me into Settling to pay more than what I owed ( they said they would settle the account for {$290.00} ) even though I explained and made it clear I was disputing this debt as valid ; therefore, why would they think I would pay {$290.00} to the Collection Debtor if I am telling them I owe {$270.00}. In my opinion this is unfair and unethical business practice and needs to be investigated and action taken against the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : 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 2024-12-15 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: NY

Complaint narrative:
I have recently look at my credit report and notice a couple of accounts thats not mine. I have came to the conclusion that Equifax and XXXX and XXXX Have been reporting this information please Remove and block from my consumer report 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 please do whats fair and equitable to me as a consumer Please i ask if you can block and remove with in 3 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: IL

Complaint narrative:
Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX  FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX  to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: LEXISNEXIS
State: VA

Complaint narrative:
Lexis Nexis Consumer Center this third party violated the FCRA in reporting bankruptcy information, as a consumer I would like to take action, including : Delete the information of Bankruptcy listing immediately. 
Civil Remedies : To sue for damages under 15 U.S.C. 1681n ( willful violations ) or 15 U.S.C. 1681o ( negligent violations ). These damages can include : Actual damages, statutory damages ( up to {$1000.00} ), and punitive damages.

I believe this third-party Lexis Nexis Consumer Center has violated my rights under the FCRA, I have suffered anxiety, emotional suffering, and XXXX due to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TN

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan is late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery associates and XXXX  XXXX have illegally obtained shared and sold my information to more than one debt collector violation all FDCPA FCRA laws. Also this is identity theft. The address doesn't match my address on my credit report. As many times as I've reported this account it still remains on my credit report illegally. An FTC report has been made see attached photos and pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TN

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute a charge-off listed on my credit report that I believe is inaccurate and does not accurately reflect my current financial standing. Under U.S. Code 1681a, the Fair Credit Reporting Act ( FCRA ) ensures that all information on my credit report is both accurate and complete. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this charge-off and, based on the information provided below, take appropriate action to have it removed. 

The charge-off in question is listed under the account for Equifax, XXXX and XXXX. The charge-off is reported as XX/XX/year>, and it negatively impacts my credit score and my ability to access credit at favorable terms. 

Reason for Dispute : I believe this charge-off was incorrectly reported due to The credit reporting agency did not furnish an account and payment history for XX/XX/year> on my credit report. As a result, I am requesting the removal or correction of this entry, as it no longer accurately reflects the state of my financial obligations. 


I kindly ask that you investigate this matter under the guidelines of the Fair Credit Reporting Act. I am confident that upon review, it will be clear that the charge-off was reported in error, and I request that it be corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to your timely response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 
XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian

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 2024-12-14 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: CA

Complaint narrative:
I have been disputing the same claim between XXXX and all three credit bureaus ( XXXX XXXX, EQUIFAX ) for over THREE years now. Finally, the account was taken off of my files I believe last year because no documents could be provided that the account was mine and the bureaus ( with the exception of Equifax ) has REINSERTED without authorization or notification or documentation this SAME file which has prohibited me from gaining access to credit because of low beacon scores and constant denials causing pain and suffering. There is also late payments from XXXX on my Equifax file that was disputed several times with no resolution and a late payment from XXXX XXXX XXXX  that is on all 3 files that were removed and reinserted with no prior documentation, explanation, or notification of reinsertion. Because I seem to be getting nowhere with my claims, I have filed a lawsuit against all 3 bureaus for these issues. The court date is set for XX/XX/year>. Please get this resolved before this date to prevent litigation proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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:
I have been disputing the same claim between XXXX and all three credit bureaus ( XXXX EXPERIAN, XXXX ) for over THREE years now. Finally, the account was taken off of my files I believe last year because no documents could be provided that the account was mine and the bureaus ( with the exception of XXXX ) has REINSERTED without authorization or notification or documentation this SAME file which has prohibited me from gaining access to credit because of low beacon scores and constant denials causing pain and suffering. There is also late payments from XXXX on my XXXX file that was disputed several times with no resolution and a late payment from XXXX XXXX XXXX  that is on all 3 files that were removed and reinserted with no prior documentation, explanation, or notification of reinsertion. Because I seem to be getting nowhere with my claims, I have filed a lawsuit against all 3 bureaus for these issues. The court date is set for XX/XX/year>. Please get this resolved before this date to prevent litigation proceedings.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
My request by law was denied for a 1099 because merchant claims the loan is not charged off.

My credit report is saying account collection/charged off by merchant. 

Finally under 15 US code 1692c. Im title to a chain of debt custody from collection and debt validation.

Company response to consumer: Closed with explanation