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

Complaint narrative:
Dear Credit Bureau, I am pretty much at my wits end here. Your job is to ensure that the information on my credit report is accurate and reporting correctly! That is the law! I know my rights and the FCRA is a law that the government put in place to ensure that you do the right thing when it comes to my credit report. 
You have blatantly ignored that! 
I am demanding that the following accounts ) be removed from my credit report immediately. 

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 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 XXXX Comments : Placed for collections. 

XXXX XXXX XXXX $ XXXX Comments : Account information disputed by consumer, meets FCRA requirements I am requesting that a full credit report showing these deletions be sent to me after the investigation has been completed. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2024-03-05 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2024-03-05 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history.

As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. 

Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. 
Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. 
Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. 
I demand that TransUnion immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.

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 2024-03-05 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 am writing to urgently request a thorough investigation and removal of inaccurate information from my credit report. The items in question are negatively impacting my credit profile.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history.

As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. 

Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq.

Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq.

Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. 
I demand that XXXX immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.

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

Complaint narrative:
My chase account was fraudulently charged {$3000.00} but I was only refunded {$2000.00} with {$1000.00} left over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a 2018 cla XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a 2018 cla XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged 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 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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I DEPOSITED A CHECK IT CLEARED NOW MY ACCOUNT IS FROZE

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 2024-03-05 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

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 2024-03-05 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: GA

Complaint narrative:
According to section 604 e of the FCRA, I have the right to request deletion of inaccurate information on my credit report. I sent a letter requesting the credit reporting agency to furnish proof of ownership of the accounts, as well as multiple inaccuracies. Not only did my written request go unanswered but the inaccurate accounts on credit report have been illegally reaged. Additionally, there are accounts being reported by one credit reporting agency that arent being reported by others. All accounts in question should be deleted. 

The accounts in question : XXXXXXXX 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 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 explanation
Consumer complaint received 2024-03-05 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: NV

Complaint narrative:
An account fraudulently opened on my name by XXXX XXXX XXXX with account number XXXX. It is same amount and account that was removed previously and this company fraudulently misusing my info and trying to collect money fraudulently. Please remove this item 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 2024-03-05 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: UT

Complaint narrative:
This marks my latest endeavor to contest the information within my credit file, which has arisen from an alleged incident of identity theft. Once again, I am forwarding an identity theft report, numbered # XXXX. Pursuant to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are obligated to expunge any information within my file resulting from an alleged identity theft, no later than four business days following the date of receipt, accompanied by ( 1 ) appropriate evidence of the consumer 's identity and ( 2 ) a copy of an identity theft report. Enclosed is the roster of accounts I seek to have removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXXTRANSUNION : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. Please be advised that you have four business days to expunge the reporting of any items in my credit file resulting from an alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.

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 2024-03-05 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-03-05 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: TX

Complaint narrative:
i have just discovered that i am a victim of identity theft and i have supporting documents to support my claim on these fraudlent accounts, someone has used my personal information to obtain goods and services using my personal information. i have no knowledge of these accounts nor have i opened any of these fraudlent accounts.

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 2024-03-05 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

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 2024-03-05 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
I received several letters, harassing phone calls, and emails from this company trying to collect and settling a debt. The company is reporting fraudulent inaccurate information on my credit report. Ive requested detailed validation letter regarding this debt ; including the purchase agreement to show full ownership of the account transferred and other accurate supporting documents. Im trying to validate this account to see if this debt belongs to me. The company information SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TEL : XXXX FAX : XXXX EMAIL : XXXX or XXXX Reference number : XXXX Original creditor XXXX for the total Amount : {$620.00} ; settlement offer amount : {$400.00}. Also, youre reporting on my credit report the same account regarding alleged debt amount of {$150.00}. The original creditor is XXXX XXXX. ( see attachment : an email letter trying to collect alleged debt )

Company response to consumer: Closed with non-monetary relief