vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, 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. 

Accounts : XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX  XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia took the receivable of XXXX XXXX from XXXX  with out adjusting to any city ordinance or city rent receivables. They did not adjust the accounts just reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my Trans Union Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA 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 2024-07-23 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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 explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has reported late in my credit report for over 7 years now per fcra laws an account will be removed from account after 7 years I have attempted to resolve with experian and XXXX and they do not fix it. 

XXXX was the only one that followed the law and 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 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This concerns an unauthorized charge to my card for {$1300.00} on XX/XX/XXXX by XXXX XXXX XXXX. 

Because I believe this is theft, Id previously reported this to the " fraud team '' and they concluded this was a dispute because I had other business with the merchant. 

I want to be clear : this was an unauthorized charge. 

The merchant used my card details to charge {$1300.00} without my approval, consent or knowledge. 

I never signed anything and, of course, I never agreed to this charge. 

Since I never signed anything there is no documentation. Unless the merchant forged my name or created something after the fact, there is nothing to show I authorized this charge beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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:
I was reviewing my consumer report and noticed these frivolous items 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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
So here is the story I did everything XXXXXXXX XXXX XXXX asked for me to do with their online banking. They acquired a new bank. I met the deadline and set everything up as the required. On the day they went live with their new online banking I have been unable to access all XXXX of my accounts. I called first thing Monday morning and spent XXXX hours waiting on hold. I finally get a person who says we will have to call you back in XXXX hours. The next day XXXX hours later no call. I call again and they state we will have to call you back in XXXX hours. I can't access any of my accounts and not knowing how much money is in my accounts I had to go to my personal account with XXXX XXXX  withdraw XXXX XXXX XXXX XXXX minutes to a local branch of XXXXXXXX XXXX XXXX and deposit money in all of my accounts to make sure they all have plenty of funds. So the bottom-line is I can't call the XXXX of California and get balances. I can't go online and get balances and transactions activity. This just seems to me a violation not being able to access my bank for 5 days online or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: NV

Complaint narrative:
Bought some furniture and was offered a loan no interest for 6 months while making payments owed about XXXX then after 6 months it went up to original borrowing amount. I borrowed XXXX  and just calculated that I have already paid them about XXXX so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: WI

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: DC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-07-23 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: FL

Complaint narrative:
I noticed unauthorized inquiries on my report. Someone applied for something using my information. According to the FCRA, legally these unverified and unauthorized items must be removed immediately. All unauthorized inquiries listed 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
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Name : XXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$600.00} Name : XXXX XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$280.00}

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 2024-07-24 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX LL Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-07-23 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: NV

Complaint narrative:
I am writing to formally dispute inaccuracies found on my credit report that you currently maintain. These discrepancies are in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Despite my previous efforts, including multiple certified letters and direct disputes, these inaccuracies persist, necessitating this formal request for immediate corrective action. 

Account Information and Dispute Details : XXXX Account XXXX XXXX ) : This account is erroneously reported as " Charged off as bad debt '' and reflects incorrect account balances and statuses. This non-compliance with Metro 2 standards must be addressed by either correcting or deleting this entry from my credit report. 
Issues Requiring Immediate Correction : Inaccurate Account Details : The reporting of the above account does not meet the minimum standards for accuracy set forth by credit reporting guidelines. The reported balance, payment status, and term length are incorrect and misleading. 
Personal Information Errors : My name should appear consistently as XXXX XXXX across all entries. Any deviation should be corrected or deleted to avoid confusion or misrepresentation of my credit information. 
Address Discrepancies : The only valid address for me is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Any other address variations must be removed to ensure accurate reporting. 
Given the severity of these inaccuracies and their potential impact on my financial standing, I insist on a full review and correction of my credit file. Should these issues not be resolved within 30 days from the date of this letter, I am prepared to take legal action to ensure compliance and correction. 

Demand for Deletion : If you are unable to substantiate these entries with accurate, verified information that fully complies with all relevant regulations and standards, I request the immediate deletion of these disputed entries from my credit profile. 

Please acknowledge receipt of this dispute and inform me of the actions you will undertake to resolve these issues. Non-compliance will be further pursued through legal channels. 

Thank you for your prompt attention to this matter. I expect a detailed response confirming the initiation of an investigation and outlining the steps you will take to rectify the inaccuracies reported. 

Sincerely, 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 2024-07-23 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed these frivolous items 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 2024-07-23 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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 2024-07-23 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:
On XX/XX/year> I sent a letter to Experian telling them that they were publishing inaccurate information on my credit report. I listed the specific accounts that I was referencing and asked them to look into them further. 

They received the letter via certified mail on XX/XX/year>. ( See attached )

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 2024-07-23 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review al of the my documents and remove the accounts that are list.

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 2024-07-24 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the {$300.00} bonus offer that was advertised for opening a First Tech account. I applied for the First Tech account with the intention of qualifying for the bonus and followed the conditions as stipulated. 

By XX/XX/year>, my employer had deposited {$3000.00} into my First Tech account. After this, I contacted First Tech Customer Service to confirm I met the requirements for the bonus. During this call, I was assured that I had met the direct deposit requirement of the offer.

Despite adhering to these instructions and waiting the specified period, I did not receive the {$300.00} bonus. Upon contacting your customer service team recently, I was informed that my deposit did not meet the direct deposit requirement because it was not classified as such. This contradicts the information I was initially given. 

I am disappointed with the inconsistent information provided by your customer service representatives and the failure to honor the advertised bonus offer despite my compliance with the requirements as I understood them. 

I request that you review my case and honor the {$300.00} bonus as initially promised.

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