vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
I have previously disputed this item with Transunion and XXXX ( XXXX XXXX Bankruptcy reference # XXXX ) and in response they said they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to transunion, XXXX or to any credit agencies for that matter : therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case TRANSUNION. I have NEVER been late and may payment history is always on-time and current.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I received a call from Sunrise Credit Services, on behalf of XXXX XXXX XXXX that I was in collection due to an account in a state that I do not or ever have lived in. 

I submitted this to XXXX XXXX XXXX fraud department and they submitted that they received the information but then never responded. 

No updates, no calls, no emails.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made multiple attempts with the Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agency regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX EQUIFAX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX XXXX XXXX AND EQUIFAX XXXX HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS.

They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy.

15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION!

15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. 

XXXX AND EQUIFAX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request that you eliminate the erroneous late payment from my account.

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 2023-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EdFinancial Services
State: MA

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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX, Account name : EDFINANCIAL # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is currently showing 30 days late for the month of XX/XX/2022 as reported in 3 Credit bureaus. I have read enough to understand my rights. The late history should not be showing late. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This company is currently showing 30 days late for the month of XX/XX/2022 as reported in 3 Credit bureaus. I have read enough to understand my rights. The late history should not be showing late. The Bureaus are attempting to violate this clear understanding. Please investigate and reported the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Account # XXXX Account # XXXX Account # XXXX Inquiry, XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX Has violated my rights and law 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My issue is with JP Morgan Chase Credit Card Services and Amazon.com On XX/XX/XXXX I clicked on an advertisement on amazon.com for their Prime Visa Card from Chase. The webpage said, " See if you're pre-qualified with no impact to your credit score ''. So I went through the prompts, specifically and only because it wasn't going to impact my credit score. 

This is the page : https : //www.amazon.comXXXX XXXX On XX/XX/XXXX I received multiple alerts from my credit monitoring services that let me know that JP Morgan Chase had taken a Hard Inquiry from XXXX XXXX XXXX. 
I spoke to the Credit Bureaus, and they told me they can't dispute Inquires. However, the inquiries did impact my credit score negatively. They recommended that I speak to JP Morgan Chase. 

I called JP Morgan at XXXX. They confirmed the action but couldn't help me that the advertisement said that. I was transferred multiple times, until being left on hold for 30 minutes before I disconnected the call, without resolution. 

Given that Neither JP Morgan nor the credit reporting agencies seem to be able to help me remove this erroneous hard inquiry, I'm reaching out to the CFBP for help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, 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: HI

Complaint narrative:
This is getting ridiculous. This morning I woke up with 7 new inquires but all date from XXXX and XXXX, with no accounts attached to these inquiries. I have not authorized any of these inquiries so why are they being added to my consumer report? These fraudulent inquiries they weren't investigated properly before adding to my consumer report has dropped my score XXXX points and I'm in the process of buying a vehicle. I called Transunion and spoke to a XXXX XXXX who said she's the supervisor. She told me she doesn't know how these unauthorized inquiries popped up on my consumer report but she couldn't help me. What!? The inquiries are as follows : 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 I have attached a copy of them being added recently, The dates on them and a copy of a 3 previous consumer reports from XXXX, 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX BANK Account number : XXXX ( In accurate payment history ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by XXXX and Equifax must be deleted because they are reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation