vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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 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 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as XXXX with Equifax and XXXX but XXXX XXXX XXXX XXXX This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

XXXX XXXX XXXX : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account. 

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on XXXX. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account. 

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Contacted Barclays on XX/XX/24 requesting to close the account. Was instructed to send another email requesting to close the account. " If you would like to close your account, you can request in Secure Message Message Center. Please respond with the last four digits of your account with space like XXXX XXXX XXXX XXXX that you wish to close. '' Contacted Barclays again on XX/XX/24, with the requested information. Was told that they can not close it online. Contacted them again on XX/XX/24, requesting to close it again, with no response. 

Was given clear instructions to close the account, but they refuse.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase bank is closing my credit cards. 
I have no negative credit reports. 
I only solely. bank with them so I get my credit card applications under them. its easy to track and make payments between personal acct to the XXXX credit card accounts. 
the letter said careful consideration decide to close all XXXX credit card accts all at once on XXXX. they made the decision XXXX of unexpected activity I conducted on the card or other chase account. 
I'm very careful and protecting my credit score is a must and highly practice. 
I want too talk to them but no number written on the letter I received. 
even the bank teller can't tell me more further than an explanation or a specific activity that made them close my accounts. 
this is not fair cause I bank with them for a long time. approved me for those credit cards and now if they close all and I won't have any credit line I can use cause the cards will be closed but with balances. applying will be different cause I won't be granted having those balances on the accounts. now I have bills that are paid using cc. I mean having to change payments for my accounts payable will take time and considering I have not done anything wrong that they are suspecting me of conducting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NJ

Complaint narrative:
Experian unlawfully reporting unauthorized inquiries on my credit report and is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). The inquires listed below I did not authorize. 

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

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am traveling for work and SoFi froze my account without any warning or contact. I find out when I dont have access to my funds. I call SoFi and they say that a check I deposit was rejected and they froze my account. Im asked where the check came from, I explain that I had deposited three different checks and two of them went through. The check that bounced was from XXXX XXXX after making over payments on my retirement loan. They say they will investigate while freezing my account and after having all the information. The problem is that Im traveling with no access to my funds. I explain this and all they tell me is to keep checking my account. Its already another day and still frozen account. I am very upset because they shouldnt freeze an account without trying to resolve the issue with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-04-03 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My recent statement closed with an overcharge of {$39.00} the balance not paid by the due on date on my credit card was {$1600.00}. With an APR of 19.24 and 2 days subject to interest before it was paid off in full the interest charged should be {$1.00}. This is the second month in a row Ive been overcharged with no remedy. I question whether Citi has any understanding of an APR and how to do finance XXXX level calculation. Ive never had this problem with any other bank or credit card issuer.

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 2024-04-03 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I noticed a hard inquiry on my XXXX credit report and immediately called Paypal to get information as I never authorized this company permission to pull my credit. They told me they would remove the inquiry since it didnt come from me, but it never was removed from my credit report. 

After the company didnt take the action that they ensured they would, I called XXXX XXXX to report this incident and they advised me to file a complaint on FTCXXXX  and send them the complaint then they will remove the hard inquiry from my credit report themselves. 

I went to FTCXXXX to file a complaint but they directed me to consumerfinanceXXXX where I am now filing the 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 non-monetary relief
Consumer complaint received 2024-04-03 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: IN

Complaint narrative:
Follow up letter from XXXX XXXX to remove hard inquiries from my credit file. 
To whom it may concern, I have written letter on XX/XX/XXXX for Experian Credit Reporting Agency to remove hard inquiries from my credit report. I have identified the following hard inquiries that should have been removed from my credit file. 
XXXX : inquiry date of XX/XX/XXXX. 
XXXX XXXX XXXX : inquiry date of XXXX. 
XXXX XXXX XXXX : '' inquiry date of XX/XX/XXXX. 
I would like to clarify that I did not authorized these inquiries, nor did I apply for any credit or services from these companies. As per the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit file. I request that Experian Credit Bureau provide me with written confirmation once these inquiries have been removed from my credit file. Thank you for your attention in this matter. I trust Experian that they will handle this dispute promptly and resolve this issue accordingly. I look forward to Experian 's prompt action and a favorable resolution in this matter. Experian 's assistance in this regard will be greatly appreciated. 
Sincerely, 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 2024-04-03 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: NV

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2019 and XX/XX/2019. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid on time never late immediately as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-04-03 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
someone used over {$2000.00} from XX/XX/2024 to XX/XX/2024

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 2024-04-03 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: NY

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the reporting of the account listed as XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report, as I have found several discrepancies and believe the information to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request a thorough investigation into this matter and the correction of any inaccuracies found in my credit file. 

Disputed Information : Account Number Ending in XXXX  : This account is listed only on TransUnion 's report. There are inconsistencies in reporting, as this account does not appear on my XXXX XXXX XXXX XXXX XXXX 
Original Lender and Agency Name : Reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of these entries as they are not familiar to me, and I request verification of these details. 
Date Assigned : XX/XX/. I question the accuracy of this date and the legitimacy of the assignment of the debt. 
XXXX XXXX XXXX XXXX. I dispute this amount and request a detailed accounting that justifies this balance. 
Status : Listed as " Unrated or bankruptcy '' with a comment " Dispute resolved reported by grantor ''. I dispute this status as inaccurate or misleading and request further clarification and proof of resolution, as I have no record of such dispute resolution. 
I am enclosing copies of documents that support my position and clearly highlight the discrepancies for your review. Please investigate these items promptly and, if the information can not be verified or is found to be inaccurate, kindly remove or correct it according to the FCRA guidelines. 

Under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter and inform me of your findings and actions taken as a result. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely,

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 2024-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to you to report that I have become a victim of identity theft. Upon reviewing my credit report, I discovered fraudulent accounts and inaccurate information that I believe are the result of identity theft. I am requesting your assistance in investigating and resolving these issues promptly. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). I am citing these laws to ensure that my rights are protected in this matter.

Under the FCRA : Section 611 grants me the right to dispute inaccurate information on my credit report.

Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to investigate disputes and correct any inaccuracies.

Section 605B mandates credit reporting agencies to block fraudulent information resulting from identity theft upon receiving a proper request from a victim. 
Under the ITADA : This federal law establishes identity theft as a crime and provides procedures for victims to report and mitigate its effects.

I am exercising my rights under ITADA to notify you of my status as a victim of identity theft and to request your cooperation in resolving the fraudulent accounts and inaccurate information on my credit report. 
Enclosed with this letter are copies of [ identity theft reports filed with law enforcement/FTC. I kindly request that you investigate the fraudulent accounts and inaccurate information on my credit report and take appropriate action to correct them as soon as possible. 

Furthermore, I am requesting that a fraud alert be placed on my credit file to prevent further unauthorized activity. Additionally, please provide me with a free copy of my credit report, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter and your cooperation in resolving these issues. Please acknowledge receipt of this letter and provide me with updates on the progress of your investigation. 

Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as DELETE the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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