vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently 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 complete understanding that Transunion will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : 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 2024-05-03 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: OH

Complaint narrative:
I went to the dealer on XX/XX/year>, with me didnt whos wanting to do a drive test on XXXX XXXX XXXX but at the end he doesnt like it at all, and the salesperson was very persistent trying to sale a car anyways possibles. We explained our situation and we had been very specifics that myself count with a pre-approval letter from XXXX and we want to see the number first and only run one Credit Report Inquiry. All Verbal agreed with that. Minutes later the salesperson came up with the excuse Apologies I forgot to tell the financial manager to run only one inquiry, but dont worry just stop him and he made only one with XXXX but at the end both of us still with several inquiries. 
I want to make it clear that, feel betrayed because the salesperson doesnt keep his word regarding, we discuss and agreed about inquiries, must when we were very clear with him. Otherwise, I dont allow XXXX to made or referring the application to another lender do inquiries as result impacted my credit profile negatively dropping points after hard inquiries this is unacceptable for a loyal consumer whos has been with NMAC and XXXX for more than 6 years. 
I request that all credit inquires been deleted and eliminated ASAP, I do not Authorize run several inquiries that include XXXX and XXXX XXXX XXXX and affiliates. Please train Salesperson to be transparent and good practices in mind. Customers deserve respect to maintain agreements of any kind they come.

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 2024-05-03 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: OH

Complaint narrative:
I went to the dealer on XX/XX/year>, with me didnt whos wanting to do a drive test on XXXX XXXX XXXX but at the end he doesnt like it at all, and the salesperson was very persistent trying to sale a car anyways possibles. We explained our situation and we had been very specifics that myself count with a pre-approval letter from XXXX and we want to see the number first and only run one Credit Report Inquiry. All Verbal agreed with that. Minutes later the salesperson came up with the excuse Apologies I forgot to tell the financial manager to run only one inquiry, but dont worry just stop him and he made only one with XXXX but at the end both of us still with several inquiries. 
I want to make it clear that, feel betrayed because the salesperson doesnt keep his word regarding, we discuss and agreed about inquiries, must when we were very clear with him. Otherwise, I dont allow XXXX  to made or referring the application to another lender do inquiries as result impacted my credit profile negatively dropping points after hard inquiries this is unacceptable for a loyal consumer whos has been with XXXX  and XXXX for more than 6 years. 
I request that all credit inquires been deleted and eliminated ASAP, I do not Authorize run several inquiries that include XXXX and XXXX XXXX XXXX and affiliates. Please train Salesperson to be transparent and good practices in mind. Customers deserve respect to maintain agreements of any kind they come.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: SC

Complaint narrative:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Factual Inaccuracy Dear Equifax Information Services , LLC I am writing to dispute an item on my credit report that has been reported by XXXX XXXX XXXXXXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-S 2 ( 7 ) ( A ), I am entitled to request an investigation into the accuracy of this information. 

1. I dispute this item on the grounds that factual inaccuracy between the opening account date and the date of validation notification. Furthermore, I have not been provided with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 

According to the FCRA, you are required to conduct a reasonable investigation into the disputed item within 30 days of receiving this letter. After this investigation, I request that you Immediately delete any inaccurate information from my credit report. 

Please note that failure to comply with the FCRA can result in legal action against your company. Enclosed with this letter is a copy of the relevant document supporting my dispute. 

I expect a prompt and thorough investigation into this matter. Please provide a written response within 30 days acknowledging receipt of this dispute letter and informing me of the results of your investigation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

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 REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Tj maxx-synchrony They upgraded me to a master card from a store card. They said my store card is closed when I activate this new card. I activated the new card. They told me to destroy any previous cards on this account. I did. I used the new card. I paid it off. I used it again. I paid it off. Then all of a sudden, at the beginning of the year They were saying I had a balance on the closed card and a credit ( negative balance ) on the XXXX. I paid the balance off again on the store card to protect my credit. Then they said That they'd made a mistake, it was all XXXX account and they sent the money back. I got a check for the whole amount. 2 months go by. Then it happens AGAIN! They start calling me. I answer. They say debt collection... what!? I immediately pay AGAIN to protect my credit. Meanwhile... I make call after call... they say it was allowed to the wrong account then they say no wait XXXX account ... so they issue a credit balance refund check. they are confused... it started out at XXXX. Now ... they've DOUBLED that because I paid it AGAIN to protect my credit. Now it's showing XXXX past due with a credit on my XXXX of XXXX. So it says past due again so I pay XXXX on the app on the OLD STORE ACCT NUMBER that stops the calls. They say thanks for your payment. Today ... I am again past due and the payment was applied to the XXXX. I have all the emails. I have screen shots and bank transaction numbers... I've spent more than XXXX hours on the phone trying to pay this ... to the time of XXXX the original charge! This is WAY more than due diligence. The last person I spoke to sent me a XXXX balance letter on each credit card number. But it showed past due and will be 30 days late on XX/XX/XXXX! That will be on my credit. I have perfect payment history... so I paid it AGAIN today. 
I don't know what else to do!

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 2024-05-04 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: FL

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!

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 2024-05-04 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:
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. 
Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : USDEPT ED # XXXX The inaccurate reporting of these accounts have violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Someone has used my information without my consent. i have been a victim of identity theft, i have notified all companies and proper authorities. i have also file reports with agency that will be attached. Dates and companies are as follows. 

Amex Account number : XXXX Date openedXXXX XXXX, XXXX Past due amount {$1000.00} XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : {$19000.00} XXXXXXXX XXXX Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Someone has used my information without my consent. i have been a victim of identity theft, i have notified all companies and proper authorities. i have also file reports with agency that will be attached. Dates and companies are as follows. 

XXXX Account number : XXXX Date openedXXXX  XXXX, XXXX Past due amount {$1000.00} BARCLAYS BANK DELAWARE Account number XXXX Date opened XX/XX/XXXX Highest balance : {$19000.00} XXXX XXXX  Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account numberXXXX

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 2024-05-04 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: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-04 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my Experian credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 



XXXX XXXX XXXX XXXX XXXXXXXX - Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX - I found late payments inaccurately reported on this closed account. Please investigate and remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account. 

XXXXXXXX XXXX XXXXXXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a zero balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 

XXXX  XXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details, including the account number and open date. Additionally, verify the reported payment history. If unable to validate, please remove the account from my credit report. 

XXXX  XXXX - XXXX - The charge-off account on my credit report is inaccurately reported with discrepancies in the high balance, high limit, and payment history. Please verify and correct these inaccuracies promptly or delete the account from my credit report. 


Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.

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 2024-05-04 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:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 non-monetary relief
Consumer complaint received 2024-05-04 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: TX

Complaint narrative:
I've identified fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Tuesday XXXX XXXX around XXXX i was approached by a man who came up to me as in going to the bank and asked me to help him out with something. After he came up to me he proceeded to verbally threaten me with physical harm and has read my address to me which at first i got worried then thought it was a joke and didn't think it was serious. As i entered the atm room i proceeded with my cash deposit. He then came up to me and told me to let him do what he has to do snd he will be gone. When i first seen him i didnt know how to react and was worried .He instructed me to Input my pin and he went infront of me to make a deposit of a fraudulent check. He then tells me to put the pin again so he can withdraw whatever funds were released. Which were two withdrawals of {$480.00} and {$100.00} which have been disputed with chase. He plays everything off and once he finished he tells me he is gone and i wont see him. Called the bank directly after incident and camera footage will show himself make his way infront of me to do what he needed. I told him i barely have money and he proceeded anyway. 
Claim with bank has been filed and denied Police was contacted over 8 times and upon first contact they said they are unable to complete s police report without footage from the atm. 
Bank employee tells them they need a subpoena to access footage. 
Make another complaint over the phone with no luck. 
Went back to the police station to file a report, then the officers tell me in order to make a report i would need a affidavit from the bank so they can start a report. 
I scheduled another meeting with a bank manager and asked if i can get an affidavit so i can complete my report and complete this dispute snd they tell me they do not have them nor do they give them out for my situation Police report can not be made at all and i am receiving no help from both the bank and the precinct. 
No matter what i bring and say they will not make a police report without this affidavit or footage which i am unable to get a hold of any. 
This leaves me at a loss of {$580.00} which i can not afford whatsoever as it will take me over 2 weeks just to break even not including my bills.

Company response to consumer: Closed with explanation