vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant dr

op in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX. Account XXXX : XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against EQUIFAX 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 Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, EQUIFAX 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 EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX '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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against EQUIFAX 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 Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, EQUIFAX 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 EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX '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 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I see that minimal changes were made to my report, and there are STILL Multiple INACCURACIES and FRAUDULENT ACCOUNTS on my REPORT, when I looked at my report on XX/XX/year>. 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. These accounts are not complete and accurate. Please REMOVE these accounts 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


- { XXXX  XXXX XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) - { XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a ) XXXX { XXXX XXXX  XXXX } Open date is not reporting correctly, date last active, date of last payment is Not correct, this account is Not accurate, Reporting Collection/Charge off MULTIPLE MONTHS is an UNFAIR REPORTING PRACTICE according to 15 U.S. Code 1681 ( a )

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by TransUnion is {$1200.00}, while XXXX reports {$0.00}, and XXXX reports {$1200.00}. 
XXXX. The date of last verification is XX/XX/XXXX in TransUnion, but it is not reported in XXXX or XXXX. 
XXXX. The date of last activity is reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date reported is XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date opened is XX/XX/XXXX according to TransUnion, but it is XX/XX/XXXX according to both XXXX and XXXX. 
XXXX. The balance owed is {$540.00} across all XXXX  bureaus, but the closed date is only reported by TransUnion as XX/XX/XXXX and not reported by XXXX or XXXX. 
XXXX. The account rating is reported as " Derogatory '' by all XXXX  bureaus. 
XXXX. The account description is reported as " Individual '' by all XXXX  bureaus. 
XXXX. The dispute status is reported as " Account not disputed '' by all XXXX  bureaus. 
XXXX. The creditor remarks in TransUnion indicate that the account was charged off as bad debt and canceled by the credit grantor, while XXXX states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 
XXXX. The payment amount is reported as {$0.00} by all XXXX  bureaus. 
XXXX. The last payment date is reported as XX/XX/XXXX by both TransUnion and XXXX, but as XX/XX/XXXX by XXXX. 
XXXX. The past due amount is {$540.00} across all XXXX  bureaus. 
XXXX. The credit limit is reported as {$1000.00} by both TransUnion and XXXX, but {$0.00} by XXXX. 
I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by TransUnion is {$1200.00}, while XXXX reports {$0.00}, and XXXX reports {$1200.00}. 
XXXX. The date of last verification is XX/XX/XXXX in TransUnion, but it is not reported in XXXX or XXXX. 
XXXX. The date of last activity is reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date reported is XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date opened is XX/XX/XXXX according to TransUnion, but it is XX/XX/XXXX according to both XXXX and XXXX. 
XXXX. The balance owed is {$540.00} across all XXXX  bureaus, but the closed date is only reported by TransUnion as XX/XX/XXXX and not reported by XXXX or XXXX. 
XXXX. The account rating is reported as " Derogatory '' by all XXXX  bureaus. 
XXXX. The account description is reported as " Individual '' by all XXXX  bureaus. 
XXXX. The dispute status is reported as " Account not disputed '' by all XXXX  bureaus. 
XXXX. The creditor remarks in TransUnion indicate that the account was charged off as bad debt and canceled by the credit grantor, while XXXX states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 
XXXX. The payment amount is reported as {$0.00} by all three bureaus. 
XXXX. The last payment date is reported as XX/XX/XXXX by both TransUnion and XXXX, but as XX/XX/XXXX by XXXX. 
XXXX. The past due amount is {$540.00} across all three bureaus. 
XXXX. The credit limit is reported as {$1000.00} by both TransUnion and XXXX, but {$0.00} by XXXX. 
I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/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 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 — Information belongs to someone else
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company ( s ) is reporting fraudulent, inaccurate information 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened a checking account with Citizens Bank on XX/XX/XXXX. They advertised a {$400.00} welcome offer upon ( XXXX ) receiving a direct deposit of {$500.00} or more within 60 days of account opening ( {$300.00} ) and ( XXXX ) using the linked debit card towards new purchases, {$2.00} per purchase, XXXX purchases maximum ( {$100.00} ). 

I made my initial direct deposit of {$500.00} on XX/XX/XXXX, 11 days after account opening. It is now XX/XX/XXXX, and I have still yet to receive my welcome bonus. 

Actually, upon account opening, it took me several calls and months to receive the corresponding debit card for the checking account. I don't recall the exact date of arrival, but my email confirmation indicates that I received the debit card around XX/XX/XXXX, nearly XXXX full months after account opening, disqualifying my eligibility for the debit card portion of the promotion entirely and to which I expressed my disappointment and dissatisfaction. I was told that the bonus for the direct deposit portion would take sometime to process. 

I reached out again after the holidays on XX/XX/XXXX and was told that they would launch an investigation into why my account has not been credited and get back to me within the week. 

I contacted them again on XX/XX/XXXX for an update and received nearly the exact spiel in previous interactions. 

I had a hectic spring/early summer and have not had the time or energy to continue to chase them for answers. They don't seem to want to honor the promo, but I would've never opened an account with them without such an attractive offer.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

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 — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To date, I have not received any written notice from the JPMCB regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). This initial written notice is crucial as it provides me with essential information, including the amount of the debt, the name of the creditor, and my rights to dispute the debt. 

According to the FDCPA, I am to receive written notice within five days of their initial contact with the consumer. Since I have not received such notice, I have not had a fair opportunity to review the details of the debt and respond accordingly. 

Therefore, if JPMCB records indicate that attempts have been made to contact me regarding this matter, I need to receive proof of such attempts. 

Please also consider this letter a request to remove any negative reporting related to this debt from my credit files until such proof has been provided. 

XXXX XXXX

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: 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: OH

Complaint narrative:
I have tried to have these inaccurate accounts deleted from my consumer reports, they failed to provide documents that I requested, there has been no validation of inaccurate accounts that needs to be deleted. I have listed the accounts below. 
Windy city/lake Ridge XXXX XXXXXXXX XXXX XXXX They have not response to my letters that I have written several times

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried to have these inaccurate accounts deleted from my consumer reports, they failed to provide documents that I requested, there has been no validation of inaccurate accounts that needs to be deleted. I have listed the accounts below. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They have not response to my letters that I have written several times

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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. And according to the Fair Credit Reporting Act 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. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-07-24 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: OH

Complaint narrative:
I have tried to have these inaccurate accounts deleted from my consumer reports, they failed to provide documents that I requested, there has been no validation of inaccurate accounts that needs to be deleted. I have listed the accounts below. 
Windy city/lake Ridge XXXX XXXXXXXX XXXX XXXX They have not response to my letters that I have written several times

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: GA

Complaint narrative:
I put in disputes with Equifax, XXXX, and XXXX, and it was a problem with my address! I reside at XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX! heres my license and social security card! I would like these companies to continue with all my disputes and take all the negative items of my report!

Company response to consumer: Closed with explanation