vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX Customer Service, I am writing to address a concerning matter regarding the recent closure of my XXXX XXXX account and its inaccurate reporting on my credit report. It has come to my attention that my account was closed due to inactivity, which is not the case. The closure was initiated by XXXX XXXX because I did not complete a verification of income by allowing your institution to confirm my bank account 's beginning and ending balance over the phone. I want to emphasize that this closure was not due to neglect or lack of activity on my part. Rather, it was a result of my refusal to comply with the verification process, which I believe to be an unnecessary invasion of privacy that violated my federally protected consumer rights. I have already communicated this stance to the Consumer Financial Protection Bureau ( CFPB ), and XXXX XXXX has confirmed this during their correspondence with the CFPB so Im unsure why you would post FALSE INACCURATE information to my consumer credit report that violates FCRA. Despite the closure of my account, I have remained in compliance with the terms outlined in your SEC prospectus by continuing to mail in my registered securities by the due date, addressed to the indenture trustee of your company and my act will show no balance due at this time. This practice ensures that I fulfill my obligations as outlined in the securities exchange commission prospectus. I am requesting that XXXX XXXX reinstate my account and restore my credit limit to its previous level. Furthermore, I expect that my account status be updated to reflect the accurate reason for closure, as confirmed by your institution and the CFPB. Failure to address this matter promptly and satisfactorily will leave me with no choice but to take further action. This includes completing an IRS Form XXXX to revoke your power of attorney for all years and periods, as well as reporting this issue to the Internal Revenue Service ( IRS ), the Securities and Exchange Commission ( SEC ), and pursuing legal action as necessary. I trust that XXXX XXXX will rectify this situation in a timely manner and restore my account to good standing. Your prompt attention to this matter is appreciated. Sincerely, XXXX XXXX attached is the proof of the inaccuracies reporting on my credit, the original cfpb complaint where XXXX admits the real reason for the account closure ( not due to inactivity on my behalf ) also my account indicated that no payment is due at this time.

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 2024-05-03 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: TX

Complaint narrative:
This account was opened with XXXX in XX/XX/XXXX as a {$500.00} line of credit. The account was never late, and I complained to the creditor that it wasn't reporting or reflecting my timely payments to the bureaus, and my credit was getting impacted. The creditor explained that they are NOT a bank, and that they use a 3rd party to report and update all payments and credit updates. The process could take up to 30 - 60 days. 
I paid the balance of the account ( {$390.00} ) - in full on XX/XX/XXXX ( {$430.00} ) The account Balance was XXXX. As of today 's date XX/XX/XXXX ... the record in Experian has NOT been updated since XXXX XXXX, and continues to erroniously report a balance of {$390.00}. This afffects my debt-to-income ratio, and thus affects my score. 

I filed disputes in XXXX and XXXX with BOTH the creditor : " XXXX '' as well as with EXPERIAN. Neither accepted responsibility and instead pointed the finger and blamed each other. 
Experian concluded at the end of the XX/XX/XXXX Dispute that the balance is indeed XXXX, and that it was paid in full. ( Based upon my bank statements, and the screenshots from XXXX XXXX own User Portal. ) I asked for the 4th time for Experian to correct my report and back date it to reflect a XXXX balance. They refused stating that wasn't their " process '' and again opened a NEW dispute to verify with XXXX. 

I attempted to escalate the issue to their " Corporate Office '' or " Board of Directors '' a " VP of Customer Care '' or equivelent. The supposed supervisor I spoke with " XXXX '' - claimed he was the highest authority I could speak with ... and that everything stops and ends with him. There was no further or higher authority to go to in order to address this issue. An endless circle. So I am wishing to file suit on both, and I am seeking full damages in accordance with the FCRA.

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 2024-05-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: TX

Complaint narrative:
I am writing to formally dispute several inaccuracies on my Experian credit report ( XXXX XXXX ) and request the immediate removal of unauthorized hard inquiries and incorrectly reported account entries. Firstly, I contest the validity of XXXX separate hard inquiries by XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as these were not authorized by me. Additionally, unauthorized inquiries by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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, should be removed as they are inaccuracies that unfairly impact my credit score. Regarding the account entries for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the reported details are incorrect. These accounts are inaccurately reporting negative statuses despite my full compliance with all credit terms prior to account closure. These inaccuracies fail to reflect the actual standing of these accounts, including incorrect reporting of dates and potentially duplicated entries. The persistence of these incorrect entries misrepresents my creditworthiness and could be seen as failing to adhere to fair credit reporting standards. I request a thorough investigation into these entries and their prompt correction or removal to accurately represent my financial history and restore my credit integrity.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft stemming from the XXXX XXXX XXXX in 2017. Given this ongoing threat, I diligently monitor my credit reports by downloading them from XXXX every week or two. Recently, I experienced further fraud and identity theft with my debit card, reinforcing the necessity of frequent checks. However, I have been unable to access my XXXX and XXXX reports through XXXX  for over XXXX weeks now. Despite being advised to request mailed copies from the credit bureaus, I have not received these reports either. This sudden lack of access is concerning, especially as I can still access my TransUnion report without issue. I have not submitted police reports to the agencies, nor have I received any explanation for this restriction, leaving me uncertain whether the problem lies with XXXX or XXXX and XXXX directly. 
Also, XXXX XXXX XXXX makes it incredibly difficult to reach a human or technical support to assist in these cases.

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 2024-05-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Global Lending Services LLC
State: OH

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: MOHELA
State: OH

Complaint narrative:
The ONLY acceptable resolution to this problem is a deletion of the trade line. They changed the reporting on XXXX to make it look even worse. Now, instead of a bunch of 120 day lates, there are a bunch of 150 day lates! This is pure retaliation and I'm considering hiring an attorney and letting them handle it. MOHELA IS VIOLATING FEDERAL LAW. I will continue to do a new complaint every month until this is resolved. It doesn't take 60 days to click a button to delete this fraudulent account. 
XXXX keeps validating it and not taking me seriously. 

I'm doing everything right and still being punished after I was promised this would be taken care of. Get rid of it now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Experian.

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 2024-05-03 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: MD

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-05-03 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: DISCOVER BANK
State: FL

Complaint narrative:
I have a discover credit card on my credit report that Ive never opened before in 2020 in the amount of {$500.00} but now has been charged off to {$730.00} and sent to collections. The information is inaccurate and fraud. Someone is using my social security number and ID card to apply for credit cards and loans in my name like installment loans and mortgage loans. I need this removed off my credit, it is effecting me a lot right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: TX

Complaint narrative:
Mercuryhttps : //mercury.com/ ) I opened an account with this Mercury Bank My company name : XXXX XXXX XXXX XXXX On XX/XX/2024, Mercury Bank closed my account and will not refund the funds in my account. 

The total amount withheld by Mercury from my account is {$96000.00} Mercury Bank failed to communicate with me and withheld my funds for no reason. This resulted in me being unable to pay my suppliers and having to pay liquidated damages, causing huge losses to my company. 

A month has passed and I have tried communicating with them via phone and email but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-03 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-03 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: MD

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States XXXX Law ( TILA XXXX5 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

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 2024-05-03 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: MD

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

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 2024-05-03 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: PA

Complaint narrative:
Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX XXXX XXXX XXXX  - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXX BANK ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : XXXX XXXX XXXX : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code.

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