vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: IL

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. 
I told Experian, XXXX, and XXXX to reinvest in these accounts : XXXX XXXX XXXXXXXX Account No : XXXXXXXX XXXX XXXXXXXX Account No : XXXX XXXX Account No XXXX XXXX XXXX Account No XXXX XXXX XXXX XXXXXXXX Account No XXXX However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect?

According to 15 U.S.C 168 section 602 A states that I have right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) it also states that a consumer reporting agency can not furnish an account without written my instructions.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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:
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. 
I told XXXX, Transunion, and XXXX to reinvest in these accounts : XXXX Bank XXXX Account No : XXXX XXXX XXXXXXXX Account No : XXXX XXXX Account No XXXX XXXX XXXX Account No XXXX XXXX XXXX XXXXXXXX Account No XXXX However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect?

According to 15 U.S.C 168 section 602 A states that I have right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) it also states that a consumer reporting agency can not furnish an account without written my instructions.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Cant log into capital one app or website. Trying to pay credit card balances and see checking account to add money to it.

Ive called and did what they asked me to do.

Also need 3 credit cards with my updated name, one for each account and a debit card with my correct name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 2024-01-18 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: NJ

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-18 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: NJ

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: TN

Complaint narrative:
The following unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 According to the FCRA these unverified and unauthorized items must be removed.

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 2024-01-18 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: FL

Complaint narrative:
There is inaccurate information being reported on my Transunion file for the account with XXXXXXXX XXXX 

XXXX. The account states I've paid of 51 % of this account. Why is it 51 %? I have previously requested verification in the form of documentation and Transunion has failed to verify this information. 

XXXX. The term on the account states 73 months ( 6 years ) but then states the account was opened XX/XX/XXXX ( 8 yrs, 6 months ) ago. That date is 8 years and 6 months longer than the initial term of the contract. I request verification of said contract and not from the creditor reporting this account as the reporting is inaccurate. 

3. Transunion reports the last payment made on this XXXX account was XX/XX/XXXX. A payment was made when? This information is inaccurate and I would like to request verification in the form of a receipt showing the payment which Transunion is reporting as being made on XX/XX/XXXX. 

4. Transunion is reporting this account was closed XX/XX/XXXX. How was the account closed XX/XX/XXXX when that date is longer than the initial term as well as the date Transunion reports the account was opened XX/XX/XXXX. 8 years and 6 months ago? 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov.

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 2024-01-18 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted on multiple occasions to file a dispute against the creditor XXXX XXXX. This credit is violating my rights according to the Federal Credit Reporting Act because it is reporting inaccurate information as well as inconsistent information across the three major bureaus ( XXXX6 missed payments, XXXX14 missed payments, & Transuion-14 missed payments ). XXXX is denying my ability to dispute these inaccuracies stating a dispute is already in progress. However their records show otherwise. TransUnion is also not allowing me to dispute these inaccuracies & inconsistencies. They also continue to deny me an updated copy of my credit report. 
I am also having an issue with XXXX XXXX. On my TransUnion report, this creditor is reporting this account as a charge-off, yet is also reporting the account as open, with one missed payment which is completely inaccurate and inconsistent. An account can not be both charged off and opened at the same time. This same account was removed from my XXXX account because of their inability to validate the debt. Yet this account is reporting on XXXX as a charge-off and closed. 
I am entitled to a complete and accurate credit report. These credit reporting agencies are refusing to do their due diligence and properly investigate my disputes when it is clear these accounts are reporting inaccurately. They are all violating my consumer rights! This is damaging to my reputation and is hurting my chances of buying a home. This account needs to be removed 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted on multiple occasions to file a dispute against the creditor XXXX XXXX. This credit is violating my rights according to the Federal Credit Reporting Act because it is reporting inaccurate information as well as inconsistent information across the three major bureaus ( XXXX-6 missed payments, Experian-14 missed payments, & XXXX-14 missed payments ). XXXX is denying my ability to dispute these inaccuracies stating a dispute is already in progress. However their records show otherwise. XXXX is also not allowing me to dispute these inaccuracies & inconsistencies. They also continue to deny me an updated copy of my credit report. 
I am also having an issue with XXXX XXXX. On my XXXX report, this creditor is reporting this account as a charge-off, yet is also reporting the account as open, with one missed payment which is completely inaccurate and inconsistent. An account can not be both charged off and opened at the same time. This same account was removed from my XXXX account because of their inability to validate the debt. Yet this account is reporting on Experian as a charge-off and closed. 
I am entitled to a complete and accurate credit report. These credit reporting agencies are refusing to do their due diligence and properly investigate my disputes when it is clear these accounts are reporting inaccurately. They are all violating my consumer rights! This is damaging to my reputation and is hurting my chances of buying a home. This account needs to be removed 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 explanation
Consumer complaint received 2024-01-18 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: NC

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-01-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is inaccurate information being reported on my XXXX file for the account with Truist Bank. 

1. The account states I've paid of 51 % of this account. Why is it 51 %? I have previously requested verification in the form of documentation and XXXX has failed to verify this information. 

2. The term on the account states XXXX  months ( XXXX  years ) but then states the account was opened XX/XX/XXXX ( XXXX yrs, XXXX months ) ago. That date is XXXX years and XXXX  months longer than the initial term of the contract. I request verification of said contract and not from the creditor reporting this account as the reporting is inaccurate. 

XXXX. XXXX reports the last payment made on this Truist account was XX/XX/XXXX. A payment was made when? This information is inaccurate and I would like to request verification in the form of a receipt showing the payment which XXXX is reporting as being made on XX/XX/XXXX. 

XXXX. XXXX is reporting this account was closed XX/XX/XXXX. How was the account closed XX/XX/XXXX when that date is longer than the initial term as well as the date XXXX reports the account was opened XX/XX/XXXX. XXXX years and XXXX  months ago? 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov.

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 2024-01-18 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/ my wallet and work phone were stolen. Multiple cards were used and I noticed my one account had been wiped after an alert. I immediately called Chase Bank cancelled my card, asked them to remove it from everything and give me a new account. I was told accounts fine theyd register me a new card. I was refunded in the amount of {$2400.00} in the following few days. Today I noticed my account reversed those funds and took the money in which put me in the negative. I never made those authorizations. I never make fraud claims as I am careful with my stuff but was unfortunate this time and now am getting completely XXXX over. I just want my money refunded back to my account and i will close and leave that bank as that is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
care cedit approve me for XXXX and then chg thier mind

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 2024-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the continued presence of a fraudulent account on my credit report, despite my repeated attempts to dispute and the successful deletion of this information by other credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  have already removed this account from their records. 
I want to emphasize that I am a victim of identity theft, and I have taken immediate action to report and rectify the situation. I have successfully communicated with XXXX and provided them with evidence supporting the fraudulent nature of the account. They have promptly taken the necessary steps to delete this information from my credit report in accordance with the Fair Credit Reporting Act. 
It is disheartening that Equifax has not followed suit and continues to report the fraudulent account without providing any valid verification or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: LA

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