vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the account type, account status, date opened, and payment status and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX -Account type innacurate. 
-Account status innacurate. 
-Date Opened inaccurate. 
-Payment status innacurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the account type, account status, date opened, and payment status and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX -Account type innacurate. 
-Account status innacurate. 
-Date Opened inaccurate. 
-Payment status innacurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

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 2023-10-12 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$7100.00}

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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX on XX/XX/XXXX someone tried to open a chase card in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
I have recently checked my credit report and noticed this account that did not belong to me. In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # 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 had reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX XXXX XXXX XXXX. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12 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: CA

Complaint narrative:
I have rights under 15 USC 1681.

According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts : XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$1100.00} ) XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$5300.00} ) XXXX | XXXX XXXX - XX/XX/XXXX ( {$110.00} ) XXXX XXXX | XXXX - XX/XX/XXXX ( {$950.00} ) I demand the accounts listed below are removed due to fraudulent activity from ongoing identity theft as my legal team provided further investigation on their end with proof ( which was sent ). 

I have disputed with the creditors and Transunion credit bureau in XX/XX/XXXX and XX/XX/XXXX. I demanded method of verification on XX/XX/XXXX and I have not yet received this beyond the 15-day timeframe. They are unable to verify because this is fraudulent which by law requires for these creditors to be removed from my credit report 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
( XXXX ) sent me a text saying someone is opening account in my name I went onto my credit report so I called the company JPMCB-Card told them this was not me opening no accounts with them they informed me that they will stop the application from going forward. The date was XXXX I called the same day this happened.Now I have a Negative mark on my credit report ( hard inquiry ) open account that I have not asked for..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$300.00} ; XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed XXXX {$410.00} ; XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA sent me an American Express credit card that I did not apply for in XX/XX/XXXX. I called to let them know and they said it was taken care of. XX/XX/XXXX I received communication from USAA regarding the address on my XXXX  account so I called again on XX/XX/XXXX and after multiple phone transfers including a fraud specialist ( XXXX  ) and someone in XXXX  XXXX  ( XXXX ) I was told again it was taken care of. XX/XX/XXXX I received communication from USAA regarding New Benefits applicable to my credit card so I called again. I did not note the name of the person i talked to but was assured the account was closed and the only mail going forward would be in regards to the account closing or fraud. I was never informed that charges had been made to the card or that there was a balance. I also did not receive any statements for the credit card. XX/XX/XXXX I received a call from a collection agency regarding my USAA Credit Card account with a balance of {$9800.00} that had been " charged off ''. The collection agency indicated there was a Florida address connected to my account and I have never lived anywhere in Florida. I called USAA again and after XXXX hours on the phone and talking to XXXX different people it is still not resolved. I have tried to log into USAA online to change any password information and the account is locked. This debt is on my credit report and it is not mine. This account was opened fraudulently in my name. I have frozen my credit reports to prevent further fraud. This fraudulent account needs to be removed from my credit report as it is having a negative impact on my credit. I have filed a report with the local authorities and my identity theft insurance. I have received nothing from USAA to even indicate that they are investigating this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: NC

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX  Balance Owed : {$4000.00} ; XXXX XXXX  Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$4200.00}.

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 2023-10-12 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: NC

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XX/XX/Balance Owed : {$4000.00} ; XX/XX/XXXXXXXX  Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX       Balance Owed : {$3200.00} ; XX/XX/XX/XX/Balance Owed : {$1700.00} ; XXXX XXXX   Balance Owed : {$3300.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XXXX XXXX   Balance Owed : {$1800.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/50000XXXX Balance Owed : {$1800.00} ; XXXX XXXXXX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXXXXXX XXXX  Balance Owed : {$4200.00} ;XX/XX/XXXXXXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XX/XX/ XXXX  Balance Owed : {$4200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the date opened and payment status, and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX Acct # XXXX Date opened inaccurate. 
Payment status inaccurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

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 2023-10-12 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.

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