vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: NV

Complaint narrative:
I am writing to dispute the accuracy of information being reported on my credit reports with Experian and XXXX. Upon reviewing my credit reports, I have identified several inaccuracies related to the fraud accounts from XXXX XXXX XXXX, which are not in compliance with Metro 2 guidelines and are in violation of the Fair Credit Reporting Act ( FCRA ). 
Account 1 : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$16000.00} Current Balance : {$18000.00} Status : Account charged off. {$16000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report is inaccurate! 
Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Balance : {$25000.00} Current Balance : {$26000.00} Status : Account charged off. {$23000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Payment History : The account is reported as being opened in XX/XX/XXXX yet the payment history is reporting missed payments in XXXX when this account WAS NOT opened. The status update says XXXX and the account was NOT opened until XXXX and charged of in XXXX so the status update date is inaccurate as well as amounts and the actual personal information as I DID NOT OPEN this account and if you are reporting all of these inaccuracies I can image ALL THE information in my report 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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-03-27 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 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: MS

Complaint narrative:
The information on my credit consumer report is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: IL

Complaint narrative:
I been having problems with my card.com card & account I find out after trying to use my debit card at the atm card.com disabled it soon as my refund of XXXX from the irs deposited into my account XXXX, XXXX XXXX also no one noticed me of this an still hasnt I had to call an still do the support email is a joke they dont communicate to you at all! I had to call an see why I couldnt see my account or use my card I called to see what going on an the customer support agent said they needed documents to verify my identity for my money that came from the irs so I provided that, I gave them pictures of my ssn my id, letter with proof of my current address on file because my id card has my old address not my current address they asked for 48 business hours to verify that information I send over once again then I call back 48 business hrs later as the timeframe asked an they said now they needed my letter to have an date on the letter for it to be current of the month an pictures of my 10-99 or 10-40 form I provided everything still no update or nothing on my account my refund is a very serious amount this has been going since XX/XX/XXXX i been contacting them everyday and night by phone and email Im late on bills an will be on the streets by XX/XX/XXXX because of card.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Dispute of Account Information - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the information on my credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to the information provided in my credit report, it appears that there is inaccurate reporting concerning the status of this account. 

On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX, the Vice President for XXXX XXXX at XXXX XXXX XXXX, regarding the resolution of issues surrounding my ownership and privileges associated with my account. The letter confirmed that an agreement had been reached, resulting in the forfeiture of all rights and privileges concerning my ownership, and the repossession of points associated with my account. Additionally, the letter stated that XXXX XXXX XXXX had closed the case related to my account. 

Given this settlement and closure of the matter, it is evident that the information currently reflected on my credit report does not accurately represent the status of my XXXX XXXX XXXX account. Therefore, I am formally requesting that Equifax conduct a thorough investigation into this matter and correct the inaccurate reporting on my credit file accordingly. 

I kindly request that Equifax : Review all information related to my XXXX XXXX XXXX account ( Account Number : XXXX ) to verify the accuracy of the reported status. 

Update my credit report to reflect the settled status of my account, as confirmed by the letter from XXXX XXXX XXXX, Vice President for XXXX XXXX at XXXX XXXX XXXX. 

Provide me with a written confirmation once the investigation is completed and the necessary corrections have been made to my credit report. 

Enclosed with this letter are copies of the correspondence from XXXX XXXX XXXX, as well as any additional documentation that may support my dispute. 

I appreciate your attention to this matter and prompt resolution. Please do not hesitate to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX : Copy of letter from XXXX XXXX XXXX, Vice President for XXXX XXXX at XXXX XXXX XXXX Any additional supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-27 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
There is a charge of {$16.00} of my statement of around 2 months ago, for the order of XXXX XXXX that has never been delivered to me in XXXX, XXXX, The credit card has not permitted me to file the dispute on line, despite my many attempts. They insist that I call them, on my many messages to the Executive Office, I wrote that I can not call from XXXX and sent them some of my numerous attempts to resolve the matter with XXXX XXXX, asking to file a dispute on my behalf, or let me do so, IN REPLY TO MY NUMEROUS INSTRUCTIONS TO STOP CALLING ME ON MY XXXX PHONE NUMBER, T THERE HAVE BEEN MORE AND MORE IDIOTIC PHONE CALLS, TELLING ME " WE NEED TO TALK TO YOU '', MORE OF MY LETTERS, MORE PHONE CALLS, COMPLAINT TO XXXX  - MORE PHONE CALLS AND THE CASE CLOSED AS BofA REPORTED THAT THEY SENT ME A LETTER TO RESOLVE THE CASE,, BUT THEY COULD NOT CITE THAT HIGHLY SECRET LETTER ON THE XXXX XXXX Well, it took me 40 minutes to log on to some highly secret web site, to read the totally idiotic letter telling me that I have to send them a formal complaint, via mail, THIS IS AFTER TWO MONTHS AND 40-50 HRS OF MY WASTED TIME, The incompetent and abusive Bank of America must have wasted a few $ $ XXXX on salaries of their incompetent and abusive employees, instead of issuing a {$1600.00} credit for the fraudulent XXXX XXXX , I have tried the online customer support, who told me that they could help, because my IP address was from XXXX XXXX , WELL, THE BANK KNOWS THAT I AM OFF AND ON IN XXXX, MY CHARGES ARE IN XXXX, FOR THIS CARD, MY PAYMENTS TO TWO OF THEIR CREDIT CARDS ARE MADE FROM XXXX, via my XXXX XXXX> WHAT IS THE BANK OF AMERICA PROBLEM ? 
WHY IS NOT THEIR WEB SITE EVER WORKING PROPERLY, WHY DO THEY INTENTIONALLY ABUSE AND TORTURE CUSTOMERS OF MANY YEARS BECAUSE OF THE FRAUDULENT CHARGE OF {$16.00}, FOR THE ORDER THAT HAD BEEN NEVER DELIVERED TO ME, THIS IS ABSURD, AND THIS IS A CRIMINAL ABSURD, DEMAND CREDIT OF {$16.00}, REMBURSEMENT OF THE WASTE OF 50 HOURS OF MY TIME, AND THAT BANK OF AMERICA PROVIDE ME WITH AN EMAIL CONTACT OF SOME COMPETENT PERSON IN CHARGE AND REPAIR THEIR NEVER WORKING PROPERLY WEB SITE,

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 2024-03-27 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27 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: CA

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2024-03-27 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27 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: CA

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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