vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-10 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Late/Open Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This communication serves as a formal demand for immediate corrective action regarding the egregious inaccuracies, inconsistencies, and outright violations of XXXX XXXX reporting standards on my consumer report. The deliberate and reckless handling of my data by [ XXXX, Equifax, XXXX ] not only violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( B ) but also demonstrates gross negligence in adhering to XXXX XXXX guidelines as mandated by the XXXX XXXX XXXX XXXX ( XXXX ). 
Legal Violations and Evidence of Noncompliance I have meticulously analyzed the accounts below and have uncovered multiple, undeniable violations of federal law and XXXX XXXX compliance standards. Your failure to adhere to these obligations is unacceptable and must be addressed immediately : XXXX. Account Name : XXXX XXXX XXXX ( Account # XXXX ) o Late Payment Reporting : The dates of late payments are inconsistent across all three bureaus, violating XXXX XXXX Section 620 guidelines for uniformity. 
o Account Status Conflict : Reporting the account as " current '' while simultaneously showing delinquency is contradictory and noncompliant with FCRA 623 ( a ) ( 1 ). 
o XXXX XXXX XXXX : The reported high balance varies across bureaus, undermining the accuracy and reliability of this data. 
o Dispute Comments : Your records indicate that a dispute was resolved, yet the reporting is incomplete and lacks clarity, violating FCRA 611 ( a ). 
2. Account Name : XXXX XXXX ( Account # XXXX ) o High Balance Variance : The reported high balance differs significantly among bureaus, violating uniformity requirements. 
o Date Opened : Inconsistent reporting of the account opening date across bureaus is a blatant failure of XXXX XXXX compliance. 
o Payment Frequency Missing : Inadequate reporting of payment frequency violates Section 620 of XXXX XXXX for incomplete data. 
XXXX. Account Name : GLOBAL FCU ( Account # XXXX ) o Date Closed Discrepancy : The " date closed '' field is inconsistent, undermining data accuracy as required by FCRA 623 ( a ) ( 1 ). 
o Account Type Variance : The account type is inconsistently listed, further violating uniform reporting standards.

o Payment Status Conflict : Reporting " paid '' while maintaining delinquency comments is contradictory and noncompliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
This communication serves as a formal demand for immediate corrective action regarding the egregious inaccuracies, inconsistencies, and outright violations of XXXX XXXX reporting standards on my consumer report. The deliberate and reckless handling of my data by [ Experian, XXXX, XXXX ] not only violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( B ) but also demonstrates gross negligence in adhering to XXXX XXXX guidelines as mandated by the XXXX XXXX XXXX XXXX ( XXXX ). 
Legal Violations and Evidence of Noncompliance I have meticulously analyzed the accounts below and have uncovered multiple, undeniable violations of federal law and XXXX XXXX compliance standards. Your failure to adhere to these obligations is unacceptable and must be addressed immediately : XXXX. Account Name : XXXX XXXX XXXX ( Account # XXXX ) o Late Payment Reporting : The dates of late payments are inconsistent across all three bureaus, violating XXXX XXXX Section 620 guidelines for uniformity.

o Account Status Conflict : Reporting the account as " current '' while simultaneously showing delinquency is contradictory and noncompliant with FCRA 623 ( a ) ( 1 ). 
o High Balance Discrepancy : The reported high balance varies across bureaus, undermining the accuracy and reliability of this data.

o Dispute Comments : Your records indicate that a dispute was resolved, yet the reporting is incomplete and lacks clarity, violating FCRA 611 ( a ). 
2. Account Name : XXXX XXXX ( Account # XXXX ) o High Balance Variance : The reported high balance differs significantly among bureaus, violating uniformity requirements. 
o Date Opened : Inconsistent reporting of the account opening date across bureaus is a blatant failure of XXXX XXXX compliance. 
o Payment Frequency Missing : Inadequate reporting of payment frequency violates Section 620 of XXXX XXXX for incomplete data. 
XXXX. Account Name : XXXX XXXX ( Account # XXXX ) o Date Closed Discrepancy : The " date closed '' field is inconsistent, undermining data accuracy as required by FCRA 623 ( a ) ( 1 ). 
o Account Type Variance : The account type is inconsistently listed, further violating uniform reporting standards. 
o Payment Status Conflict : Reporting " paid '' while maintaining delinquency comments is contradictory and noncompliant.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year>, I opened a checking account with U.S. Bank and successfully funded it. Subsequently, I registered for online banking, which initially functioned correctly. However, I soon encountered issues : I was unable to log in to my account or reset my password. 

Actions Taken : Contacted Customer Service : I reached out to U.S. Bank 's customer service multiple times to address the login issue. 
Co-Browsing Sessions : During these interactions, representatives conducted co-browsing sessions to diagnose and resolve the problem. 
Outcome : Despite these efforts, the issue persists, and I remain unable to access my online banking account. No effective solution has been provided.

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 2024-12-10 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being opened or made in my name. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
XXXX Accounts : XXXX. XXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$920.00} XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraudulent inquiries persist on my consumer report despite multiple attempts to resolve them. As a victim of identity theft, these unauthorized entries have severely impacted my financial well-being, obstructing critical goals like home ownership. The inaccurate items have caused significant mental and financial distress, leaving me with no alternative but to consider legal action if the matter remains unaddressed.

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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

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 2024-12-10 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: CT

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-12-10 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: VT

Complaint narrative:
Today XXXX XXXX, XXXX  a XXXX point drop was reported on credit score because a paid off my car loan. I want to know why the score dropped for a closed account that was not a revolving credit account. The action is unfair and damaging to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Late payment is over XXXX XXXX XXXX. Exceeds fair reporting guidelines. Violates credit reporting time restrictions

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Late payment is over XXXX XXXX XXXX. Exceeds fair reporting guidelines. Violates credit reporting time restrictions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Late payment is over XXXX XXXX XXXX. Exceeds fair reporting guidelines. Violates credit reporting time restrictions

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 2024-12-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an collection account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an collection account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX. A personal credit card account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me. all of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from US Federal Trade commission that all of the aforementioned accounts and, collections are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me. all of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, as proof from US Federal Trade commission that all of the aforementioned accounts and, collections are fraudulent.

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 2024-12-10 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: FL

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief