vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I recently obtained a copy of my credit report as part of my efforts to improve my credit and fulfill my financial responsibilities. Upon review, I noticed several accounts that require further clarification. I am not asserting whether they are being reported correctly or incorrectly, but I am uncertain about their accuracy. 

Under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute any information that I believe may be inaccurate. Furthermore, I came across some accounts reported in my name by entities I do not recognize, which prompted me to reach out to you for verification. 

Are you familiar with 15 U.S.C. Sec. 1681i ( a )? As I understand it, if you are unable to provide proof of accuracy, the law requires that these accounts be deleted. Therefore, I request that these accounts be thoroughly investigated, and if they are found to be incomplete or inaccurate, I ask that they be removed from my credit report. 

I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified 100 % or deleted : XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX 2024 and beyond, and a charge-off with a {$150.00} past due balance. Please verify the payment history and charge-off status. 

XXXX XXXX XXXX ( Account # XXXX ) Late payments in XXXXXXXX XXXX and a charge-off with a {$360.00} balance and {$120.00} past due. Please verify the accuracy of this information. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, Account # XXXX ) Collection account with a {$78.00} balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. 

If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. 

Please complete your investigation within the XXXX timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MS

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-01-09 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-01-09 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: MS

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their return, nor have I received any communication about this by mail.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I sent these accounts for dispute in XXXX of XXXX. This item was deleted from my credit report within 30 days and put back on my credit report 6 months later with no new information or investigation reported. This is illegal and i would like this false debt removed from All XXXX credit bureaus. 

Account Name : CAINE & WEINER Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX. XXXXXXXX XXXX 
XXXX XXXX, CA XXXX Number : XXXX Reason : Per section 609 of the Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report in 30 days. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-09 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX indicating an account had been opened by me and they believed it was fraudulent. They said for them to reverse the funds I needed to send them the amounts via XXXX from my Chase bank. I transferred a total of {$1900.00}. Within minutes I realized I had been scammed so I called Chase to stop the pending transactions. I was provided with Claim Number XXXX. I received a letter on XX/XX/XXXX from Chase stating I was given a temporary credit for the total amount while they researched the transactions. Another letter dated XX/XX/XXXX followed stating the funds would be removed as they found the transactions were processed according to the information I provided or was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: 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
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
Unauthorized hard inquiries appear on my credit report from experian on I did not consent to these inquiries, violating the FCRA. I disputed with [ Credit Bureau ], but they failed to remove them. 
XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
XXXX i was reviewing my Experian credit report and noticed my credit score is to low according to the scoring module used by Experian to score reports. i also noticed Experian has through uses of systemic padded my credit reports to unethically sway potential creditors away from me and i believe this reason is solely race and demographic a violation of FCRA and 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Received confirmation from XXXX ( PROVIDER OF PUBLIC RECORDS INFORMATION ) that the XXXX  XXXX on my credit report hasn't been verified by XXXX and XXXX. XXXX has filed disputes with XXXX, XXXX AND EQUIFAX that public record XXXX needs to be remove due bankruptcy isn't in the XXXX system and not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MOHELA
State: TX

Complaint narrative:
on XX/XX/XXXX three things were open on my name in the amount of {$1700.00}, {$2500.00}, {$3500.00} and on XX/XX/XXXX another one in the amount of {$270.00} and the name of the company is Mohela i have no knowledge of how and why this is on my credit report. I also ask that this be investigated and removed thanks you are greatly appreciated for doing your job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-09 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Requested account verification, account show on credit report charged off. My account information has been data breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Requested account verification, account show on credit report charged off. My account information has been data breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate and unfair information being reported by Regional Acceptance Corporation on my credit reports from XXXX, XXXX, and XXXX. Despite having paid off my account in full and on time, Regional Acceptance has reported this account closure in a manner that is negatively impacting my credit score.

Summary of the Issue : I entered into an agreement with Regional Acceptance for [ car loan ], which I successfully paid off in full on time. Despite fulfilling my financial obligation, the account was closed by Regional Acceptancenot by meand continues to be reported as a negative item on my credit report.

This reporting is misleading and detrimental to my credit profile. Although the information may technically be accurate in terms of the account closure, it does not reflect the full context of the timely payments, responsible financial behavior, and satisfactory account closure. 

Details of My Dispute and Companys Response : I initially submitted a formal goodwill adjustment request to Regional Acceptance, providing documentation supporting my positive payment history and paid-in-full status. 
On XX/XX/XXXX, I received a letter from Regional Acceptance stating they would not honor my request, citing that the information was accurately reported and that they were unable to change the report or remove the accurately reported information. 
I have enclosed copies of my correspondence and credit reports from XXXX and XXXX showing the continued negative reporting. 
Impact on Me : The negative reporting of this closed account has hurt my credit score and financial standing. This unfair reflection of my credit history jeopardizes my ability to access favorable terms for future credit and loans, despite my history of fulfilling my financial obligations responsibly. 

Requested Resolution : I respectfully request the following : A reconsideration of my goodwill adjustment request to remove the negative report of this account closure from my credit report. 
An investigation into whether this account is being reported consistently and fairly across all credit bureaus. 
Supporting Documents Enclosed : Copy of my credit report from XXXX XXXX of my credit report from XXXX Copies of correspondence with Regional Acceptance Corporation I hope to resolve this matter promptly and amicably. If additional documentation or clarification is needed, I am happy to provide it. 

Thank you for your time and attention to this issue.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : - Company Name : TransUnion - Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX ( TransUnion customer service ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the USBK COURT NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/XXXX. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.

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