vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$9000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, TransUnion, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with Experian, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-10 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: TX

Complaint narrative:
I am writing to follow up on my previous communication regarding the removal of fraudulent items from my accounts. This serves as the first follow-up attempt to address this urgent matter. 

As previously discussed, I have reported several fraudulent transactions on my accounts and have provided all necessary documentation to support the investigation and removal process. However, to date, I have not received confirmation of the removal of these unauthorized items or any updates on the progress made in resolving the issue. 

I kindly request that you provide me with a status update on the investigation into the fraudulent transactions and confirm when the unauthorized items will be removed from my accounts. Additionally, if there are any further steps required from my end to expedite the process, please do not hesitate to let me know. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX 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 2024-04-10 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable account RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Failure to Comply or delete these items. 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 

( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Please Remove this on 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 2024-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These account are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
I just got an email from the bank 's card denying a dispute on a fraudulent charge that I disputed. The reason is a service I bought and the service never was as advertized. Now, the bank called Mercury, where I have some business accounts, denied the dispute process because I have made too many dispute requests ( 3 ), where the bank promotes zero liability for fraudulent activities. See the email attached written by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because I am rightfully exercising my rights in good faith under the Fair Credit Reporting Act. I have recently discovered as of XX/XX/XXXX, that there are to companies in my credit report and consumer reports that have illegally re-aged the account I had in connection with these companies. Both these companies are XXXX XXXX XXXX XXXX XXXX. I have filed an FTC report regarding these accounts for fraud. This are inaccurately reporting on my consumer reports and are damaging my credit reputation due to incomplete information and the re-aging of the account associated with these companies. The date of last activity for XXXX XXXX report as account number : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX, account number : XXXX Dates of last activity for XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and EQUIFAX XX/XX/XXXX XXXX This account has not been paid since XX/XX/XXXX, and XXXX XXXX  account number : dates of last activity are for XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and EQUIFAX XX/XX/XXXX. The last payment made on this account was in XX/XX/XXXX. These companies are in violation of 15 USC 1681s-2 ( a ), FCRA Section 605 for Identity Fraud, and 18 USC 1001 . Block and remove these accounts. Delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because I am rightfully exercising my rights in good faith under the Fair Credit Reporting Act. I have recently discovered as of XX/XX/XXXX, that there are to companies in my credit report and consumer reports that have illegally re-aged the account I had in connection with these companies. Both these companies are XXXX XXXX XXXX XXXX XXXX. I have filed an FTC report regarding these accounts for fraud. This are inaccurately reporting on my consumer reports and are damaging my credit reputation due to incomplete information and the re-aging of the account associated with these companies. The date of last activity for XXXX XXXX  report as account number : XXXX XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX XX/XX/XXXX, account number : XXXX Dates of last activity for XXXX XX/XX/XXXX XXXX EXPERIAN XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX This account has not been paid since XX/XX/XXXX, and XXXX XXXX account number : dates of last activity are for XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, and XXXX XX/XX/XXXX. The last payment made on this account was in XX/XX/XXXX. These companies are in violation of 15 USC 1681s-2 ( a ), FCRA Section 605 for Identity Fraud, and 18 USC 1001 . Block and remove these accounts. Delete these accounts.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After viewing my credit report Capital One ran my credit 6 times with XXXX, XXXX and XXXX, I need sign documentation that i gave them permission to run y credit, the s fraudulent and needs to be deleted off of all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My family has 3 accounts with chase bank. Today I find out they had put a restriction on all 3 accounts and closed them and I was not notified and when I found out no one can provide me with any answers and I talked with multiple people and even went to a branch. The last person informed me that our funds which total approx {$1500.00} would not be available until after XX/XX/XXXX. Not sure what else I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2024-04-10 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: OR

Complaint narrative:
On XX/XX/year>, an unrecognized inquiry from XXXX XXXX XXXX Appeared on my Experian 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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I am writing to follow up on my previous communication regarding the removal of fraudulent items from my accounts. This serves as the first follow-up attempt to address this urgent matter. 

As previously discussed, I have reported several fraudulent transactions on my accounts and have provided all necessary documentation to support the investigation and removal process. However, to date, I have not received confirmation of the removal of these unauthorized items or any updates on the progress made in resolving the issue. 

I kindly request that you provide me with a status update on the investigation into the fraudulent transactions and confirm when the unauthorized items will be removed from my accounts. Additionally, if there are any further steps required from my end to expedite the process, please do not hesitate to let me know. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
I am writing to follow up on my previous communication regarding the removal of fraudulent items from my accounts. This serves as the first follow-up attempt to address this urgent matter. 

As previously discussed, I have reported several fraudulent transactions on my accounts and have provided all necessary documentation to support the investigation and removal process. However, to date, I have not received confirmation of the removal of these unauthorized items or any updates on the progress made in resolving the issue. 

I kindly request that you provide me with a status update on the investigation into the fraudulent transactions and confirm when the unauthorized items will be removed from my accounts. Additionally, if there are any further steps required from my end to expedite the process, please do not hesitate to let me know. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief