vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: MD

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX 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 explanation
Consumer complaint received 2024-07-24 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: MI

Complaint narrative:
I am a victim XXXX XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and removed : XXXX XXXX {$0.00} XXXX remove acct XXXX XXXX {$1400.00} XXXX update to never late XXXX XXXX {$800.00} XXXX remove acct XXXX  XXXX Bankruptcy {$0.00} XXXX-remove acct XXXX {$0.00} XXXX remove acct XXXX  XXXX XXXX remove inquiry XXXX XXXX remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed.

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 2024-07-24 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXXXXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed.

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 2024-07-24 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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE LATE PAYMENTS To Whom It May Concern, Upon reviewing my consumer report, I discovered an account that is reporting inaccurately. I have a late payment showing 30 days late on an account that was paid on time. XXXX XXXX  XXXX is in direct violation of my consumer rights reporting inaccuracies of late payments on an account where payments were paid on time. According to the Federal Credit Rights Act FCRA 15 U.S.C Code 1681e ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As a consumer reporting agency 15 U.S.C 1681a ( f ), you are governed by the Fair Credit Reporting Act FCRA. 15 U.S.C 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting on their consumer report. According to the FCRA it is the consumer reporting agencys responsibility to ensure that all information contained within our consumer files are accurate and free of errors. 

I have never missed a payment on the following account : XXXX XXXX XXXXXXXX Account Number XXXX shows 30 days past due as of XX/XX/XXXX. I have attached a copy of my consumer report to this complaint on XX/XX/XXXX. 

I request you thoroughly investigate the inaccuracies of late payments and urge you to provide evidence demonstrating the lateness of payments. If you are unable to furnish such proof, I demand the 30 days late payments be promptly removed and updated to reflect their true status as on-time, paid as agreed, never late as I have consistently upheld my payment obligations without delay. 
Upon completion of your investigation, I would like to request a detailed description of the procedures used to determine the accuracy of the account that I am disputing. 

For verification purposes I have enclosed a photo copy of my official state issued drivers license and my social security card to validate my identity clearly shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Email : XXXX Thank you for your assistance in this matter. 

Best Regards, 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 2024-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Its closed charged off account, its illegally on my report and unconstitutional, ,and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.

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 2024-07-24 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: NJ

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XXXX XXXX XXXX the company sent the consumer illiterate correspondence of identification. The companies artificial intelligence is not able to recognize grandfather open credit account, and respond with appropriate english.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX XXXX nor did I provide written consent for my credit report to be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-24 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-24 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The problem statement is I am unable to access my Amazon Prime Visa Account information using the Chase API. I continue to experience issues access my Chase account using the Chase API on AmazonXXXX. This is an ongoing issue for the past three months. I have repeatedly tried to contact Chase about this issue, but they did not understand the problem statement. They alleged that they try to contact me multiple times, but I do not have any proof or documentation that contact happened. 

Moreover Chase has multiple ways of contacting me and multiple ways to verify my information. The address on the letter addressed to me is " XXXX XXXX XXXX XXXX XXXX, NJ XXXX ''. JPMorgan Chase is the loan servicer of this property. It is listed on my account as one of my addresses.

I would like Chase to fix their code and allow me to use the API to manage my account. This is a service provided to every cardholder and I would like to be treated like other cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize 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 2024-07-24 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: TX

Complaint narrative:
I would like to follow in despite of my previous efforts to resolve this matter and the erroneous information remains on my report, negatively impacting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you re-investigate these accounts and correct the inaccuracies promptly. I expect a thorough review of my case and a written response detailing the results of your investigation. Enclosed are copies of my previous correspondence and supporting documents for your reference. Please help me correct the following accounts : XXXX XXXX XXXX XXXX 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 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Truist Investigation Department, ( It's been more than 60 days and XXXX XXXX informed me you guys still haven't released the funds. What's going on for a delay. Also haven't herd a response... .The funds need to be released immediately this also violates the EFTA . ( The funds are to be released within 5 business days ) in many ways before legal action is taken. If the funds arent released by Friday i have no choice to but to take legal action against truist bank ) I am writing to formally request the immediate release of funds transferred to XXXX XXXX from my XXXX account. The transaction in question, in the amount of {$17000.00}, was processed on XX/XX/XXXX, and I have provided all necessary supporting documentation to verify its legitimacy. 

It has come to my attention that despite the funds being cleared from my account, they have not been credited to XXXX XXXX. This delay is causing significant financial hardship and inconvenience. According to federal bank guidelines regarding check holds, there is no basis for withholding these funds, as the check in question was issued legitimately by me and is not fraudulent in any manner. 

I urgently request that your department investigate this matter immediately and release the funds to XXXX XXXX 's account without further delay. Failure to do so will leave me with no alternative but to pursue legal action to recover the funds and seek appropriate compensation for damages incurred. 

Please understand the seriousness of this issue and the urgency of my request. I have attached all relevant documentation to support the authenticity of the transaction and the check in question showing the funds removed from my XXXX bank account. Should you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution.

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 2024-07-24 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: NJ

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-07-24 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: NC

Complaint narrative:
XX/XX/2024 [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX NC, XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX  Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX s ) resulting from XXXX  that should be blocked and/or removed. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX NC, 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 2024-07-24 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 have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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