vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
incorrect information on my credit report 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX AZ XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX I request that my current address be updated accordingly. 

3.3. Incorrect Employer Information : my current employer XXXX XXXX  but in my credit report shows as XXXX XXXX XXXX XXXX  and XXXX XXXX. I request that my current employer be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my social security. 

I request that XXXX, TransUnion and XXXX investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to 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 2024-12-22 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: AZ

Complaint narrative:
incorrect information on my credit report 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX AZ XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX, AZ XXXX, XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX I request that my current address be updated accordingly. 

3.3. Incorrect Employer Information : my current employer XXXX XXXX but in my credit report shows as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. I request that my current employer be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my social security. 

I request that XXXX, XXXX and Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The creditor has claimed on my credit report that they are the original creditor. If that is the case then its not my debt. I never did business with them. I tried to dispute it on my XXXX  and XXXX report but nothing changed. Im not able to verify the debt because of the false representation of the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX, NY, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 non-monetary relief
Consumer complaint received 2024-12-22 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: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
my information was exposed in a data breachon the dark web and I am one of the XXXX people whose information got leaked and I want my credit report cleared Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including infor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Complaint Regarding Unfair Late Payment Reporting by Bank of America Dear CFPB, I am filing this complaint regarding an unfair negative remark on my credit report caused by Bank of Americas failure to process my account closure request properly. Despite multiple attempts to resolve this matter with the bank and XXXX, the issue remains unresolved, and I am requesting your assistance in addressing this violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue In XX/XX/year>, I requested the closure of my Bank of America account via a phone call. At the time of my request, the account balance was XXXX. I was assured that the account would be closed. However, due to the bank 's failure to process my closure request, the account remained open, and I was subsequently charged two {$15.00} fees. These fees resulted in late payments being reported to the credit bureaus, unfairly damaging my otherwise exceptional payment history. 

I have disputed these late payments with XXXX, requesting verification of their accuracy. XXXX has responded, claiming the information is accurate. However, the negative remarks on my credit report are the direct result of Bank of Americas failure to process my account closure request as promised, making this reporting unfair and inaccurate. 

Impact These unfairly reported late payments have caused a significant drop in my credit score and tarnished my impeccable credit history. This is unjust, given that the fees and subsequent late payments resulted solely from the banks error in failing to close my account as instructed. 

What I Am Requesting I request the CFPBs assistance to : 1Investigate this matter with Bank of America and XXXX. 
2Require Bank of America to remove the late payment reports from my credit history across all major credit bureaus. 
3Ensure compliance with the FCRA and prevent further harm to my creditworthiness. 

Supporting Documentation I have attached : A summary of my account history, including the timeline of the account closure request. 
Copies of correspondence with XXXX regarding the dispute. 
My XXXX  credit report showing the late payment remarks. 

Conclusion I believe this issue stems from Bank of Americas error and failure to act on my account closure request, making the late payments unjust and inaccurate. I appreciate the CFPBs attention to this matter and look forward to a resolution that restores the accuracy of my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase XXXX XXXX, Well, I have reached out to XXXX 3 times in the last 10 days, left messages with no response, not to professional. 

Your Bank JP Morgan Chase is an accomplice to harboring a Fraudulent Crime against me ( XXXX XXXX Routing # XXXX / Account # XXXX ) in the amount of {$5400.00} ( in which you have all the documents to prove my case as well as i have voice messages from your XXXX Offices Personal to back my case that I was Scammed and Scammed good ). 

So, I have requested a refund back to me XXXX XXXX XXXX Enterprises be sent to me at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again no response. 

I have contacted the XXXX Police Dept and provided you a Police Report XXXX XXXXXXXX as well as XXXX has spoken with the XXXX XXXX XXXX and confirmed with him that JP Chase Morgan Bank will cooperate to get me my money back. 

I have requested as I have been informed by XXXX personnel in your XXXX Offices that I need to fill out the XXXX party Consent form to move forward with the XXXX Police XXXX, I have requested XXXX times I have left a message, no response no form has been sent to me at XXXX again you are delaying the process to get me my money back. 

You have all the requests and information to end this XXXX case but you rather prefer to XXXX XXXX XXXX that did this to me and possible doing it to others, and that not good XXXX  if this info gets out to the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you Problem Description : These inquiries were not authorized by me and have negatively impacted my credit score. After reaching out to the companies listed, they confirmed that they have no record of performing these inquiries, which suggests a possible error or potential fraud. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I have the right to dispute the accuracy of any information on my credit report. These sections establish that : -Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

-Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

-Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report. 





- 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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Good Morning, My complaint is against Absolute Credit Solutions ( XXXX ) who took a 10+ year old disputed debt with XXXX  XXXX and re-entered on my credit report with a new " Date Opened : XX/XX/year> ''. I spoke with them prior to this new entry and they performed the usual threat to ruin my credit etc. I attempted to reason with them and explain the FTC law and they said there is nothing the FTC can do for you. Well, I did not realize they entered this on my credit report until I attempted to buy a vehicle for my son to drive back and forth to college and the proposed interest rate on the auto loan was outrageous due to the new date for the old dispute. I filed a complaint with the Minnesota AG where this company is located and although they were kind enough to call me, they said because I am not a resident of Minnesota they can't help me and suggested I reach out to you because the rep said they do not work with out of state AG 's. I am now receiving the same mailings and threats from another company, XXXX XXXX XXXX XXXX XXXX in XXXX, Nevada ( XXXX ) Can you please help me and my family? Thank you kindly for all that you do. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
A fraudulent debit to my citizens bank checking account was made in the amount of XXXX on XX/XX/year>. I called the bank to report the fraudulent charge and they informed me it was being handled by another department and refused to place my fraud report. When I was in contact with the other department it is closed. I never authorized this charge and on my end it only shows it was a debit, not who it was to or any other information. The representatives I spoke with refused to give me any additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX reports an alleged charge off to the three major credit bureaus the account is closed/charge offs, recently disputed the accuracy of the alleged debt also asked for complete evidence of how the amount owed was calculated have yet to receive those documents what i noticed 10 days in the investigation period this company updated the balance on the CLOSED account from XXXX bucks to an even higher amount which is a vilation of the section 1692 validation of debts... 


furthermore this company has intended to hinder my credit even more by violating the Tila laws of auto contract loans and as well has yet to conduct a full investigation of a 30 day period plus provide evidence of how the verification was held the responses and the results are verified to fast especially when a representative picks up the written request in hand from the mailing office .... 

XXXX XXXX XXXXo has removed these accounts before for the same violations now the company proceeds to reinsert information on my file without the notification to consumers. 

the law prohibits these type of acts and i do not understand who gives these companies consent to act wrongfully and not govern themselves correctly. 

please cc this information to a higher authority and have all companies involved audited.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute Regarding Price Change and Use of MVR and Insurance Score To Whom It May Concern : I am submitting this dispute to address concerns about a price change for my insurance policy based on information obtained from my Motor Vehicle Record ( MVR ) and credit history ( insurance score ). Below are the details of the issue and my request for clarification and resolution : Details of the Dispute 1. Motor Vehicle Record ( MVR ) : I was informed that my rate was updated based on driver-history details, including a record of an incident dated XX/XX/year> ( Failure to yield, stop, comply, or yield to pedestrian ). 
I am requesting a detailed explanation of how this information impacted my rate, given that the incident occurred over three years ago. 

2. Insurance Score and Credit History : My insurance score was cited as a factor in determining my revised premium. 
I understand that my score was obtained from TransUnion Corporation ( Consumer Relations Disclosure Center ). 
The notice indicated that TransUnion does not determine my premium and can not explain the pricing decision. However, I am seeking clarity on the specific factors from my credit report that contributed to the change. 

3. Transparency and Compliance : The notice stated, Take note that your Final Price is subject to underwriting verification. However, it did not adequately explain the specific underwriting criteria used to determine the rate change. 
I am concerned about the transparency of how my information was used and whether this decision complies with the federal Fair Credit Reporting Act ( FCRA ). 

My Requests : 1. A detailed explanation of how my MVR and insurance score specifically influenced the price revision.

2. Verification of the accuracy of the information used in determining my premium.

3. Confirmation that the companys actions comply with all relevant laws, including the FCRA.

4. Guidance on how to correct or dispute any inaccuracies with the reporting agencies involved. 

I would appreciate your prompt attention to this matter. I have also requested a copy of my consumer report from TransUnion to verify the accuracy of the information they provided. 

Thank you for your assistance. 

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Failure due process, violation of Color of law, federal thefts, identity theft, Paternity Fraud. Violation of separation of powers, parental alienation, IRS fraud, Racketeering Charges. Ada violations XXXX XXXX XXXX under the new XXXX program Childsupport was started during marriage withing the household. Childsupport office failed due process, no federal court or family court involved in the case. Procedures were not followed by state and federal law. No federal seal on any judgments. No federal judge signatures. Childsupport is not a credit transactional process ( XXXX XXXX XXXX  ) ( Miller vs Experian ) Other court cases proved that childsupport uses a non judicial seal to Duress thier victims An associate judge may not enter a ruling on any issue of law fact if that ruling could result in dismissal or require dismissal of a pending criminal prosecution, but the associate judge may make findings conclusions, and recommendations on those issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: IN

Complaint narrative:
asked company to show me this was mine ... no response to requests I have no idea what this collections is for

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