vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. The company has reported conflicting and incorrect information to all three major credit bureaus ( XXXX, Experian, and XXXX ), resulting in errors that have negatively impacted my credit score and financial standing. 

Specifically, I have identified the following issues with XXXX XXXX XXXX  reporting : Charge-Off and Paid as Agreed : XXXX XXXX XXXX has XXXX accounts listed on my credit reports that are marked as both " Charge-Off '' and " Paid as Agreed. '' These conflicting statuses are misleading and do not accurately reflect the status of the accounts. 
Late Payments Reported Incorrectly : The credit card company has reported late payments on my account, which is inaccurate. I have always made payments on time and have documentation to support this. 
Inconsistent Reporting Across Credit Bureaus : The information reported by XXXX XXXX XXXX  is not consistent across all three credit bureaus. For example, some bureaus show missing or incorrect account details, while others have incomplete or conflicting data regarding the status of the accounts. 
I have made multiple attempts to resolve these issues directly with XXXX XXXX XXXX, including [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the errors have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. I also request that XXXX XXXX XXXX  be held accountable for their failure to report accurate information and for not resolving the discrepancies in their reporting. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need any further information or documentation to support my complaint.

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 2024-12-04 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: GA

Complaint narrative:
Dear Experian, I need this account off immediately. It is a hindrance to me from getting housing and from other credit opportunities. This account is inaccurate it needs to be verified for it to be placed on my consumer report. It has not been verified and your investigation has not solved my issue. I need this account to be deleted ASAP.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE AND INCOMPLETE XXXX ACCOUNT

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 2024-12-04 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: TX

Complaint narrative:
XXXX located XXXX XXXX XXXX XXXX, TX XXXX To XXXX I am writing this to formally dispute inaccurate information on my credit report that has been reported to your agency by XXXX XXXX XXXX # XXXX which is located at XXXX XXXX XXXX XXXX Texas XXXX. I am also disputing XXXX XXXX acct # XXXX located at XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX  XXXX act XXXX XXXX and the last account is XXXX XXXX act # XXXX. The last one is XXXX XXXX act # XXXX I have noticed all of these have inaccuracies. 

This inaccurate information has negatively affected and impacted my credit score and caused me hardship by making it difficult to obtain credit and also rent a home for my family. This has caused me great distress both physically and mentally. 

Under the FAIR CREDIT REPORT ACT 15USC1681.i, I am exercising my right to dispute inaccurate information in my credit report. I request that you promptly complete a thorough procedural investigation and take the necessary steps to correct this inaccurate information. I expect a written verification of the corrected information within XXXX  days of this letter. Failure to investigate and correct this inaccurate information within XXXX  days will result in me being forced to take legal action for damages per notice of {$1000.00} for each violation of my consumer rights. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
In Accordance with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX  XXXX XXXX - Account number - XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Account number - XXXX  XXXX XXXX Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2024-12-04 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: NJ

Complaint narrative:
I am writing to formally request the removal of the following account from my Equifax credit report, as they were recently deleted from my XXXX credit report following a dispute and investigation : XXXX XXXX XXXX XXXX  CC {$1100.00} Account Number : ... XXXX Investigation Completion Date : XX/XX/year> Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report. 

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further. 

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages. 
FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB Complaint Department, I am writing to formally request your assistance in removing an inaccurate collection account reported on my XXXX credit report. The details of the account in question are as follows : Account Number : XXXX Account Type : Collection Responsibility : Joint with XXXX XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$16000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$16000.00} ( Updated XX/XX/XXXX ) I believe this account has been reported inaccurately or is unverifiable for the following reasons : 1. I have no knowledge of this account or its association with me. The balance or status information is incorrect, or the reporting violates the Fair Credit Reporting Act. ) 2. Lack of Verification : Despite disputing this account with XXXX, XXXX, transunion no satisfactory evidence has been provided to validate its accuracy or legitimacy. 

I have made every effort to resolve this matter directly with XXXX and the creditor but have been unsuccessful in achieving a resolution. This unresolved issue is negatively affecting my credit score and causing financial hardship. 

I kindly request that the CFPB investigate this matter and work with XXXX and the reporting creditor to : Verify the accuracy and legitimacy of this account, OR Remove the account from my credit report if it can not be verified. 

Please find attached the following documents to support my claim : 1. A copy of my credit report showing the account details. 
2. Copies of dispute letters and responses ( if applicable ).

3. Any additional evidence to support my claim. 

Thank you for your attention to this matter. I trust that you will investigate this issue thoroughly and assist me in ensuring the information on my credit report is accurate and fair. Please feel free to contact me at the phone number or email address

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 2024-12-04 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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 investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a business checking account with Chase Bank in XXXX 2024 XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I received a notification via email informing me that my account had been closed. However, Chase did not provide any specific reason for the closure of the account. 

On the same day I was notified of the account closure ( XX/XX/year> ), an incoming transfer from a client in the amount of {$90000.00} USD was received in my account. The transfer had been sent on XX/XX/year>, just XXXX day before the account closure. Since then, the funds have been held by Chase Bank. 

I have contacted the bank at least twice a week to inquire about the situation. In every communication, I have been informed that the case is under investigation by an internal department. However, I have not received any concrete answers or an estimated timeline for resolution. Additionally, the bank has not requested any supporting documents to justify the legitimacy of the transfer, nor have they provided any explanation for the investigation or the account closure. 

This situation has severely impacted both my business and personal life. Due to the large amount of funds being held, I have incurred interest charges on debts related to this money, creating significant financial strain. Furthermore, the lack of access to these funds has caused substantial disruption to my operations and overall stability. 

The only document I have regarding this matter is the email notification I received on XX/XX/year>, informing me of the account closure. I have not received any other written communication or justification from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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