vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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:
Subject : Complaint Against Credit Bureaus for Inaccurate Reporting and Failure to Correct Disputed Information Accounts : XXXX XXXXXXXX XXXX XXXXXXXX. 

Dear CFPB, I am writing to formally file a complaint against the major credit bureausfor their failure to correct inaccurate information on my credit report despite multiple disputes. 

I have disputed both XXXX XXXX accounts at least XXXX times with the credit bureau due to inaccuracies in the reported account status, dates, and payment history. Despite providing ample evidence and following the dispute process as outlined in the Fair Credit Reporting Act ( FCRA ), these inaccuracies remain uncorrected. 

Specifically : The account status is inaccurately reported. 
The dates associated with the accounts are incorrect. 
The payment history is not accurate. 

Furthermore, I have noticed that each credit bureau reports these accounts differently, with one credit bureau not reporting the account at all. This inconsistency is causing significant harm to my credit profile and financial standing. 

Violations of the Fair Credit Reporting Act ( FCRA ) The following sections of the FCRA are relevant to my complaint : Section 611 ( 15 U.S.C. 1681i ) - This section outlines the responsibilities of credit reporting agencies to investigate disputed information. The credit bureaus are required to investigate disputes within 30 days of receipt and correct any inaccuracies. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - This section mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Request for Permanent Removal Given the repeated failure of the credit bureaus to correct the inaccuracies associated with these Capital One accounts, I am requesting the permanent removal of these XXXX accounts from my credit report. The continuous inaccuracies and the inconsistent reporting among the credit bureaus are clear violations of the FCRA and have adversely affected my creditworthiness.

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 2024-06-10 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-06-11 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: OH

Complaint narrative:
I have just obtained a copy of my credit report and noticed the following errors. XXXX ) XXXX XXXX XXXX XXXX ACCT # XXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. 

XXXX ) XXXX XXXX  ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!

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 2024-06-10 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: OH

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
Account Has been paid in full, XXXX XXXX  refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
Account Has been paid in full, XXXX XXXX refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.

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 2024-06-10 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: MN

Complaint narrative:
I started getting collections calls for accounts that I had never opened and after checking my credit report at each of the XXXX bureaus I found fraudulent accounts on all of them. So I filed an identity theft affidavit with identitytheft.org and filed disputes at each of the XXXX bureaus attaching the identity theft report to each of them. However, when they brought this fraud to the attention of these creditors they simply turned around and said the information was verified as accurate. Which kinda blows my mind, of course it will be my correct info. THATS HOW MY IDENTITY WAS STOLEN! 

I submitted these disputes multiple times and each time was told the info was verified as accurate. From my understanding, submitting the identity theft afidavit is all I needed to do to get the fraud removed from my credit reports, only to this day these fraud accounts are still destroying my credit making me unable to use my credit at all. 

The only credit I ever took out in my name was from XXXX XXXX, XXXX auto loans, XXXX credit card, and XXXX line of credit. Other than that I had XXXX credit card with XXXX XXXX. THE REST OF THE ACCOUNTS ON MY CREDIT ARE FRAUD.

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 2024-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : I never been This Hospital i Never get medical care from this hospital

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
XXXX XXXX opened a credit card account without my consent, it was marked as fraudulent within their system and was closed. However, this unsolicited account has been registered within my credit report and thus my credit score has been affected by this, resulting in XXXX pts. reduction of my credit score unjustly. I never was or am a customer of XXXX XXXX. 

XXXX investigated and removed this account from their credit report, so I am soliciting XXXX, Experian and any other Credit reporting service to do the same. Ive attached all the evidence and a copy of the initial complaint to XXXX XXXX and XXXX for reference.

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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I made an ATM deposit of {$3000.00} ( XXXX {$100.00} bills ) after bank hours at XXXX. The machine was counting the deposit and an error occurred. The ATM printed a receipt for me to reference the deposit, but did not indicate how much deposit I made. The machine said an error occurred and stated that I needed to call the number on the screen to verify the deposit was registered. I called the number immediately and filed a complain. 

On XX/XX/year>, the bank made a temporary credit of {$3000.00} while they investigated the transaction. 

On XX/XX/year>, the bank sent a letter stating that after their investigation, they determined that I only get partial credit of the amount I deposited. They will withdraw {$1100.00} on XX/XX/year>. Essentially, the bank is saying that they only determined I deposited {$1900.00} even though I deposited {$3000.00}. 

After receiving the letter, I called the customer service line immediately to dispute and want this issue to be escalated and reinvestigated. The customer service person said they will note it in the account and would not provide any additional information. I did not receive any other correspondences from the bank. 

XX/XX/year>, I went to the local bank and the customer service agent called the claims line to help me find out the status of my claim and what can be done to escalate the issue and to have the claim reinvestigated. I was basically told there is nothing else to be done. I would need to submit supporting documentation that I made {$3000.00} in deposit. I made {$3000.00} deposit in cash. I should not be penalized for a faulty ATM. 

The {$3000.00} is the amount I needed to pay my credit card with bank because I made purchase of XXXX plane tickets that total {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 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: MN

Complaint narrative:
I started getting collections calls for accounts that I had never opened and after checking my credit report at each of the XXXX bureaus I found fraudulent accounts on all of them. So I filed an identity theft affidavit with identitytheft.org and filed disputes at each of the XXXX bureaus attaching the identity theft report to each of them. However, when they brought this fraud to the attention of these creditors they simply turned around and said the information was verified as accurate. Which kinda blows my mind, of course it will be my correct info. THATS HOW MY IDENTITY WAS STOLEN! 

I submitted these disputes multiple times and each time was told the info was verified as accurate. From my understanding, submitting the identity theft afidavit is all I needed to do to get the fraud removed from my credit reports, only to this day these fraud accounts are still destroying my credit making me unable to use my credit at all. 

The only credit I ever took out in my name was from XXXX XXXX, XXXX auto loans, XXXX credit card, and XXXX line of credit. Other than that I had XXXX credit card with XXXX XXXX. THE REST OF THE ACCOUNTS ON MY CREDIT ARE FRAUD.

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 2024-06-10 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: MN

Complaint narrative:
I started getting collections calls for accounts that I had never opened and after checking my credit report at each of the XXXX bureaus I found fraudulent accounts on all of them. So I filed an identity theft affidavit with identitytheft.org and filed disputes at each of the XXXX bureaus attaching the identity theft report to each of them. However, when they brought this fraud to the attention of these creditors they simply turned around and said the information was verified as accurate. Which kinda blows my mind, of course it will be my correct info. THATS HOW MY IDENTITY WAS STOLEN! 

I submitted these disputes multiple times and each time was told the info was verified as accurate. From my understanding, submitting the identity theft afidavit is all I needed to do to get the fraud removed from my credit reports, only to this day these fraud accounts are still destroying my credit making me unable to use my credit at all. 

The only credit I ever took out in my name was from XXXX XXXX, XXXX auto loans, XXXX credit card, and XXXX line of credit. Other than that I had XXXX credit card with XXXX XXXX. THE REST OF THE ACCOUNTS ON MY CREDIT ARE FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting CAPTAL ONE understanding and compassion regarding my current financial situation. Unfortunately, I find myself unable to fulfill the payment plan for my XXXX account ending in XXXX, despite your assistance in setting it up. This debt has become a significant burden on my credit score, causing me considerable distress. I sincerely regret the inability to meet my financial obligations, and I am genuinely seeking a resolution to this predicament. In light of these circumstances, I humbly request your forgiveness and kindly ask if you could find it within your heart to consider deleting this account. Doing so would alleviate a substantial source of stress and enable me to focus on rebuilding my financial stability

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CBNA/BBY Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
There are items on my credit that do not belong to me, I have filed an FTC report and sent to the three bureaus, some of these items are still reporting erroneously : XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} I am attaching my license and an FTC report.

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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under XXXX XXXX XXXX. 
Account name : [ XXXX XXXX CO # XXXX ] has violated my richts. 
I looked at my [ XXXX ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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:
XX/XX/year> XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] has violated my richts. 
I looked at my [ XXXX ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 inaccurate.

Company response to consumer: Closed with explanation