vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to XXXX, XXXX, and experian regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX date of last activity is inconsistent.XXXX XXXX  XXXX. Date reported not consistent. XXXX XXXXXXXX date last active is incorrect please remove. XXXX XXXX XXXX XXXX high balance inconsistent. Remove. XXXX XXXX XXXX. XXXX. The account numbers are not consistent. XXXX XXXX date of last activity the dates are not same on all reportsXXXX XXXX XXXX  balance owed is different on all the reports. XXXX XXXX XXXXXXXX. High balance is inconsistent. XXXX XXXX XXXX high balance is different. XXXX XXXX XXXXXXXX date reported is not accurate. XXXX XXXX hight is not accurate on all reports.XXXX XXXX XXXXXXXX date reported is inconsistent. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX high balance is inconsistentXXXX XXXX XXXXXXXX XXXX XXXX last verified dates are inconsistent. XXXX self-reported XXXX date reported the dates are inconsistent. XXXX XXXX XXXX XXXX high balance is not 100 accurate. XXXX XXXX XXXX high balance is inconsistent XXXX XXXX XXXX date opened is not is wrong. XXXX XXXX last verified is inconsistent. XXXX self-reported XXXX. Account number inconsistent. XXXX self-reported XXXX the account number is inconsistent on all reports. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX account number is inconsistent. Hight balance is not accurate.XXXX XXXX XXXX XXXX reference number is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX  closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX bankruptcy all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized ACC Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I had sold my home because I was about to go into foreclosure and originally I was supposed to get {$400000.00} net proceeds and it turned out to only be {$36000.00} and XXXX XXXX and in the mortgage business so I could not find a job so every XXXX counts. I had opened up a chime account several months ago and decided to transfer from my cXXXX account to Chime {$10000.00}. I never heard back from chime and come to find out they closed my account so I asked the to please wire the money back to XXXX and they said they cant until I give them a copy of my drivers license, social security card, birth certificate, and and explanation where my deposit came from so I wrote them an explanation and also provided them with my XXXX account statement and my final closing statement to prove where my money came from and still nothing. I called and called and resent my documents to chime at least XXXX times and they kept on losing everything. I begged and pleaded with tnem and even told them Im out of work and need my money to survive and still nothing. I then found the CEO XXXX XXXX and sent him a private message to see if he can help me but he never replied and keep in mind hes worth billions of dollars so now Im at my XXXX end and coming to you for help I am so desperate and cant pay my bills, buy food, and living on a XXXX XXXX XXXX XXXX because I need that money in order to put a deposit on an apartment. Can you help me? Im having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know what I can do to get my money back. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX " XXXX XXXX XXXX '' has violated my rights. 



15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for ANY purpose. 



Thank you for your time and cooperation in this matter. 


Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
At the end of XXXX and the beginning of XX/XX/XXXX I submitted a payment for my Banana Republic credit card for XXXX XXXX It was a time when Banana Republic was converting from XXXX Bank to Barclays. The personal check was issued to XXXX Bank. The money was withdraw from the account on XX/XX/XXXX by XXXX Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a Banana Republic credit card statements from Barclays for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases XXXX after another over the XXXX past months with no resolution of the problem. As per Barclays, they never received the money and as per XXXX Bank, the check for XXXX $ was returned to Barclays. The check was never returned ( see attached documents from my bank and the letter from bank XXXX ). XXXX Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX  months later, both XXXX bank and Barclays say they are unable to resolve the problem and they expect me to pay XXXX $ again. 
As of today, XX/XX/XXXX, I just received the statement from XXXX bank saying " .. your payment was included in XXXX  trailing payment request # XXXX, sent to Barclays Bank of Delaware on XX/XX/XXXX, XXXX at this time, we encourage you to contact Barclays Bank in order to provide the transmittal information and discuss the payment '' ( see attached document )

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 monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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. 

XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXXXXXX, Unknown : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: OH

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX # XXXXXXXX XXXX XXXX BANKRUPTCY : # XXXX XXXX XXXXXXXX, Unknown : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting that XXXX XXXX on behalf of XXXX. XXXX XXXX, has reopened a collections account as of XX/XX/2023. A similar collections account was on my file previously but had it fallen off a couple months ago and now has reappeared. This account has been re-aged.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried disputing XXXX XXXX XXXX through XXXX and Equifax and they have refused to delete this from my credit report and XXXX have deleted from my credit report and this is causing a problem with my credit report. I have also disputed XXXX XXXX XXXX and that hasn't been deleted from my credit reports either. I have also summitted FTC letters to all the creditors and the items still remain on my credit report I would like for this matter to be handled immediately because it's affecting my credit report and hindering me from doing things with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
According to FAIR CREDIT REPORTING ACT, Experian, XXXX, & XXXX are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to XXXX, TansUnion, and XXXX  regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act 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 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 is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX XXXX all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The XXXX account was discharged in XX/XX/XXXX and is currently reporting inaccurate information as of XX/XX/XXXX. The last payment for this account was in XX/XX/XXXX and should not have recent activity. Please remove all recent activity on this account or delete account immediately. According to FCRA you can not report inaccurate information.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Accordance with the fair credit reporting act, the list of the account below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681.

1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX XXXX off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account XXXX Credit card Late payment 4-Account name XXXX XXXXXXXX  Account number XXXX Account type Credit card Deadcharge off 5-Account name XXXX XXXX XXXX Account number XXXX Account type Collection Has violated my right.

15 U.S.C 1681 section 602 A. states I have the right of my privacy.

15 U.S.C 1681 section604 A. It's also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible cause to believe that the information is inaccurate.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the account # XXXX opened with XXXX XXXX on XX/XX/2022. This account was opened in fraud, and therefore, I am not responsible for the balance of {$1000.00} associated with it. 

I have never leased anything from XXXX XXXX and have no knowledge of this account. It is clear that someone has fraudulently opened this account in my name without my consent or knowledge. I have contacted XXXX XXXX to inform them of this fraudulent activity, but they have not been helpful in resolving 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.

Company response to consumer: Closed with explanation