vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently i did an investigation on my credit report and found several items on there to be inaccurate Under XXXX XXXX XXXX XXXX ( b ) XXXX XXXX Code XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Credit Union 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 2024-09-23 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:
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 ) 15 U.S. Code 1681i ( 5 ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/PersonaXXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Credit Union XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: PA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
An account has repeatedly been updated as a Charge offs/Closed every month 15 usc 1692g , 15 usc 1681c-2 , to my understanding charge offs accounts should Not include an active payment history, falsely manipulates the statute of limitations. 

I Requested 1099c from XXXX XXXX, XXXX, Macy 's and XXXX XXXX XXXX. 

I making a payment on the charge offs, they took a tax relieve from the federal government, it looks like fraud is committed

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 2024-09-23 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
Formal Dispute of Inaccurate and Unverified Information Dear XXXX XXXX Department, I am writing to formally dispute several inaccuracies and unverified information reported on my credit file. These accounts contain errors that violate provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the disputed items : XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX - {$400.00} Late 120 Days It is illegal under the FDCPA to report a collection account as late. This account is inaccurately listed as a late payment. Additionally, the collection agency has failed to validate this debt per 15 USC 1692c. I request the removal of this incorrect information from my credit report immediately.

2. 
XXXX XXXXXXXX {$0.00} Inaccurate Late Payment This account was inaccurately reported as past due in XX/XX/XXXX. My TransUnion report shows that it was past due only in XX/XX/XXXX. However, this auto loan has been fully paid, and there was never any delinquency. I request that this account be updated to reflect " Paid, Never Late '' status, as per 15 USC 1666B.

3. 
XXXX XXXXXXXX {$220.00} - Incorrect Late Payment This account was paid in full on XX/XX/XXXX, as evidenced by the attached bank statement showing a {$25.00} payment. It is inaccurate and unjustified for this account to show as a late payment. Please update this account to reflect " Paid, Never Late '' status. 
XXXX. 
XXXX  XXXX XXXX {$200.00} Open Date XX/XX/XXXX This account was never properly verified. A complaint has been filed with the CFPB, which referred the matter to the OCC. XXXX XXXX has failed to provide sufficient information regarding this account. As a result, I request that this account be deleted from my credit file due to the lack of verification. 
XXXX. 
XXXXXXXX XXXX XXXX XXXX  Fraudulent Account XXXX {$31.00} I was advised by XXXX XXXX XXXX XXXX that this is a savings account with overdraft, but I have never opened a savings account with this company or conducted any business with them. This account is fraudulent and must be removed from my credit report immediately. 
I have attached relevant documentation, including bank statements and correspondence, to support my dispute. Under the FCRA, you are required to investigate and correct any inaccurate or unverifiable information on my credit report within 30 days. Please send me written confirmation once these issues have been resolved. 
Thank you for your cooperation. 
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 2024-09-23 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Complaint Regarding Violation of FCRA Rights by XXXX and National Credit Adjusters LLC Dear CFPB : I am writing to formally file a complaint against XXXX and National Credit Adjusters LLC for their violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The specifics of this complaint are detailed below. On XX/XX/XXXX I disputed an account reported by National Credit Adjusters LLC, with the original creditor being XXXX XXXX, on my XXXX credit report. The dispute in question was investigated and closed in under 24 hours, which strongly suggests that a proper and thorough investigation was not conducted by XXXX, in direct violation of FCRA laws. 
The fact that XXXX closed my dispute within 24 hours shows a lack of diligence in their investigation process, as they are required by law to conduct a reasonable investigation under the FCRA. This cursory action disregards my rights as a consumer and violates the obligation of credit reporting agencies to fully investigate disputes. in accordance with 15 U.S.C. 1681i.And a Violation of FCRA ( 15 U.S.C. 1681c ) Re-Aging of Debt : Upon reviewing my credit report obtained from XXXX, I found that National Credit Adjusters LLC failed to report the date of first delinquency as required by law. The first date of delinquency, which should be XX/XX/XXXX, has not been reported. Instead, they listed the account as being opened on XX/XX/XXXX, which constitutes a clear case of re-aging, an illegal practice under the FCRA. This misrepresentation extends the time that the debt remains on my credit report and causes undue harm to my credit score and financial reputation. Due to these violations of my rights as a consumer, I respectfully request the following actions be taken : Immediate deletion of the account reported by National Credit Adjusters LLC from all 3 of my credit reports. Compensation from both XXXX and National Credit Adjusters LLC for their negligence and violations of federal law, specifically related to my rights under the FCRA. A full investigation into the actions of both parties, including whether XXXX has violated its duty to properly investigate disputes and whether National Credit Adjusters LLC has intentionally engaged in the illegal re-aging of debt. If this matter is not resolved to my satisfaction within a timely manner, I will not hesitate to retain legal counsel to pursue further actions for the willful violations of my rights under the FCRA.Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was reviewing my credit report a few months ago and noticed that I have information that is Not reporting correctly. I saw information for a Bankruptcy XXXX. 

I contacted XXXX XXXX courts on multiple time and even after speaking to multiple people, I was advised that they DO NOT provide any information to the credit reporting agencies. Thus, I am confused as to how this information is even reported, especially because it is NOT correct. 

I know that my rights as a consumer ensure 100 % accuracy of information that is being reported about me and this is definitely NOT accurate. 

Please advise how to handle this.

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 2024-09-23 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXX NATIONWIDE CAPITAL XXXX {$170.00} XX/XX/XXXX EVOLVE SPARROW FINANCIAL XX/XX/XXXX ELAN FINANCIAL XXXX XX/XX/XXXX XXXX FINANCIAL SER 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 non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}

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 explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} Balance last updated : XX/XX/year> Balance : {$4200.00} Balance last updated : XX/XX/year> Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/scrub>XXXX  Dispute 2 Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4200.00} Balance last updated : XX/XX/year> Source of dispute information : XXXX XXXX Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: FL

Complaint narrative:
Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} Balance last updated : XX/XX/year> Balance : {$4200.00} Balance last updated : XX/XX/year> Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year> Dispute 2 Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4200.00} Balance last updated XXXX XXXXXX/XX/year> Source of dispute information : Equifax.com XXXX Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/scrub>XXXX  Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked my credit report and seen unknown inquiries on 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 2024-09-23 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: NC

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked my credit report and seen unknown inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BANK OF AMERICA XXXX ...., BANK OF AMERICA 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: AR

Complaint narrative:
To ensure the authenticity of the complaint and protect against fraudulent submissions, the CFPB needs to confirm the identity of the person submitting the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. 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 and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. 
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is mines, if you can not provide me with this information in 15 days update the account to be removed Late send me a copy of my updated credit report. Thanks

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