vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: CT

Complaint narrative:
DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY : XXXX XXXX INSURANCE COMPANY : XXXX XXXX XXXX : XXXX XXXX ON XX/XX/XXXX THE REFERENCED VEHICLE FINANCE WITH " XXXX XXXX  '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE XXXX XXXX  ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXX ON THE VEHICLE. 
AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO XXXX XXXX AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO XXXX XXXX 

I HAVE A COPY OF MY PAYMENT MADE TO XXXX XXXX FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXX XXXX  TO XXXX XXXX XXXX XXXX HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

XXXX XXXX  HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO XXXX XXXX AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've always made sure that payments on this account are made promptly, never allowing them to become overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be rectified.

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 2024-04-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are multiple fraudulent inquiries being reported on my credit report by Equifax and XXXX XXXX. I already contacted Equifax XXXX XXXX XXXX and disputed/requested for the fraudulent inquiries to be removed. There has been little to no progress. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681, these inquiries must be removed expeditiously. Furthermore, I'm seeking legal action in regards to these inquiries being reported to my credit reports. The inquiries are listed below : EQUIFAX : CXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX, Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX  XXXX Inquiry date XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX  Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX  Inquiry date XXXX XXXX  Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX date XXXX XXXX  Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
Despite our previous discussions and assurances, it appears that the fraudulent items have not yet been removed. This continued presence of unauthorized charges is not only concerning but also poses a significant inconvenience and financial burden to me. 

I want to reiterate the urgency of this matter and the importance of promptly resolving it. These fraudulent charges not only impact my financial stability but also erode the trust I have in our business relationship. 

Therefore, I kindly request that you take immediate action to remove the fraudulent items from my account and provide me with confirmation once this has been completed. Additionally, I would appreciate any insights you can offer regarding the investigation into these unauthorized charges and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : $ XXXX Repossession : XXXX XXXX Balance : {$210.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : $ XXXX Repossession : XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3900.00} XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$3900.00}.

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 2024-04-30 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: TX

Complaint narrative:
Despite our previous discussions and assurances, it appears that the fraudulent items have not yet been removed. This continued presence of unauthorized charges is not only concerning but also poses a significant inconvenience and financial burden to me. 

I want to reiterate the urgency of this matter and the importance of promptly resolving it. These fraudulent charges not only impact my financial stability but also erode the trust I have in our business relationship. 

Therefore, I kindly request that you take immediate action to remove the fraudulent items from my account and provide me with confirmation once this has been completed. Additionally, I would appreciate any insights you can offer regarding the investigation into these unauthorized charges and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : $ XXXX Repossession : XXXX XXXX Balance : {$210.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : $ XXXX Repossession : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to express my deep concern and distress regarding a recent interaction with your company. On XX/XX/24, I received a letter from Discover Card company indicating that I had been approved for a credit card. However, shortly thereafter, I discovered that my identity had been compromised, and it appears that your company may be involved. 

Upon receiving the initial letter, I followed the instructions provided and supplied the requested personal information for the credit card application, including my social security number, email address, and home address. Despite the assurance of approval, I was subsequently informed that my application had been rejected. 

This sequence of events raises serious questions about the security measures and integrity of your company 's practices. It appears that my personal information may have been obtained under false pretenses, leading to significant concerns about identity theft and fraud. 

I demand a thorough investigation into this matter and an immediate explanation as to how my personal information was obtained and subsequently misused. Additionally, I request full disclosure of any and all information pertaining to my interactions with your company, including records of communication and actions taken regarding my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above. Additionally, I have contacted the companies through a phone call, and they have confirmed the need for correction. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-04-30 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: NJ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I told capital one to remove the charges do not add them back on my credit card they removed the charges and add them back on I contacted XXXX support and told I believe Im being charged twice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX ; XXXX XXXX I was Born on XX/XX/year>, My Mailing Address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of address ; proof of Identity ; Certified Copies of my Birth Certificate ; a Copy of my Driver License & a copy of my Tax Return showing proof of my Social Security # ; Affirming my Giving Name, My Correct Birthdate and Correct Age & 2. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act Equifax has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 15 U.S. Code 1681 ( e ) - 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NV

Complaint narrative:
I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

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 2024-04-30 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: NJ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update 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

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 2024-04-30 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: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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:
It is my understanding that FCRA 605B requires us to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being 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 non-monetary relief
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX. 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the account stated above. Additionally, I have contacted the companies through a phone call, and they have confirmed the need for correction. 

Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

Company response to consumer: Closed with non-monetary relief