vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: CO

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX/XXXX/2023 XXXX, XXXX XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclays refuses to close my credit card account ending in 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 2024-11-20 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: GA

Complaint narrative:
I noticed billing errors on my credit report, including late payments that dont match my usual history. Please update my account to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NV

Complaint narrative:
My credit report lists late payments that conflict with my payment history. Please investigate and amend these errors.

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 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
so i pulled my credit report and i saw XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX I called The company and asked what this was for i was told it was for a sewer bill/ Trash Bill And for an water bill however its sitting on my credit as Rent Debt Making it look like i don't play my bills I asked why i never got anything before this and was told maybe i should pay my bills by the rep on the call i asked for a supervisor he stated he was after alot of back in forward we got no where as im trying to understand a Utilites bill being label as rent which is misrepresented on my credit report. as i was told even if i pay it would not be removed from my credit report and also that it would take me three weeks to get a letter stating i paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-20 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX, and i am personally composing this complaint to address unauthorized hard inquiries on my credit report. I was recently alerted about these inquiries that i did not approve. My credit score has dropped and this is hurting my credit profile. I have called TRANSUNION AND XXXX on this matter and they refuse to help me. I have a fair credit profile and this is damaging my credit image. I NEED HELP as the credit bureaus refuse to help me by placing me on hold and " accidentally '' hanging up phone. I am trying my best to have a stellar credit score. PLEASE HELP

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This morning, I was stunned to find inaccurate accounts on my credit report, and I cant understand why. I always review my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it could be a glitch, but the inaccuracies remained. I'm pleading for the documents I provided to be carefully reviewed so I can stop worrying about this ever happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-20 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a complaint against Equifax for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Equifax via USPS certified mail, tracking number : XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To facilitate Equifaxs verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bill reflecting my current address. 
According to USPS tracking, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Equifax. The XXXX response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: LA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-20 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: AL

Complaint narrative:
as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

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 2024-11-20 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: MD

Complaint narrative:
I received a letter ( attached ) stating they were adding some INACCURATE/ FRAUDULENT social security number XXXX to MY credit report! This is not my information at all.

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 2024-11-20 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: MD

Complaint narrative:
I received a letter ( attached ) stating they were adding some INACCURATE/ FRAUDULENT social security number XXXX to MY credit report! This is not my information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
The account is reporting a XXXX charge as a write off but I never received a XXXX to report on my taxes. This company is still trying to collect the funds after writing off the charges ( via ) XXXX XXXX. This is against my consumer rights. These charges need to remove off the credit report if the loan was write off and a XXXX need to be mail out Claim as income via IRS code.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited {$1000.00} at the Chase Bank Drive Thru ATM at XXXX XXXX XXXX, XXXX XXXX, TX at XXXX PM on XX/XX/year> using my debit card ending in XXXX. The {$1000.00} was in XXXX {$100.00} denominations. I heard the sound of money being counted by the ATM. However, the money never showed up in my checking account, and the ATM did not return the money. I received a printed receipt from the ATM that said, " To be sure your deposit went through, please call us at XXXX. XXXX. '' Immediately after, the ATM displayed a message indicating it was no longer accepting or dispensing cash. I called the number while still at the location, and Chase created a claim, stating that a financial representative would investigate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of Social Security Number : XXXX Phone Number : XXXX XX/XX/XXXX To Whom It May Concern, Dispute Department I am writing to formally dispute several inaccuracies on my XXXX credit report. Below are the details of my disputes : **Dispute 1 : ** **Account Information : ** - **Account Name : ** XXXX XXXX  - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX, DE XXXX - XXXX*Account Number : ** XXXX The account and its reported balance do not align with my financial history. I have previously submitted multiple disputes, an identity theft affidavit, a fraud report, and a police report regarding this matter, yet no corrections have been made to date. 

**Dispute 2 : ** **Account Information : ** - **Account Name : ** XXXX XXXX - **Bank Name : ** XXXX XXXX - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Similarly , the account and its balance do not belong to me. This issue also pertains to identity theft and fraud. I have submitted all relevant documentation required for resolution multiple times, but the inaccuracies persist. It is crucial that the incorrect balance on this account is addressed promptly, as I have reported this as a case of identity theft. 

Thank you for your attention to these matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my XXXX credit report. The following are the details of my dispute : Dispute XXXX : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute XXXX : XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX Your Inquiry to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-20 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-20 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: LA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-20 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of m

ultiple federal regulations governing credit reporting. Outstanding Compliance Issues :

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