vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: AZ

Complaint narrative:
According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit 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 2024-05-17 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-17 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-18 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: IN

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX I received a copy of my credit report. To my surprise, You are reporting this account incorrectly. This collection account is reporting as XXXX. According to the FCRA I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me a copy of my new credit reflecting this account removed upon complection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MD

Complaint narrative:
Someone with a different name other than mines requested information from experian to my address. The person does not live at my address and never have. Impression : this person lives at my address and requesting information from Experian. Correct address, wrong name. this individual does not live at my address.

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 2024-05-17 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: WI

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$980.00} allegedly owed to XXXX XXXX. XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX XXXX XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute, filed on XX/XX/XXXX, is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX verify the validity of the debt owed to XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-05-17 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: WI

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$980.00} allegedly owed to XXXX XXXX. XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX XXXX XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute, filed on XX/XX/XXXX, is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX verify the validity of the debt owed to XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: WI

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$1000.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX verify the validity of the debt owed to XXXX XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: WI

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their attempts to collect a debt of {$1000.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has inaccurately claimed that the account was opened on XX/XX/XXXX, which contradicts the fact that I was with XXXX as a longstanding customer as of XX/XX/XXXX. This misinformation constitutes fraudulent and incorrect reporting. 

The actions of XXXX XXXX XXXX  are in violation of the Fair Debt Collection Practices Act ( FDCPA ) which prohibits the use of false, deceptive, or misleading representation in debt collection, as well as the Fair Credit Reporting Act ( FCRA ) which mandates accurate reporting of consumer information. Furthermore, their failure to respond to my dispute is a violation of the FCRA 's requirement to investigate and respond to consumer disputes in a timely manner. 

I hereby request that XXXX XXXX XXXX  verify the validity of the debt owed to XXXX XXXX XXXX and promptly remove any fraudulent reporting from my credit report. Despite multiple attempts to resolve this matter, I have received no response from XXXX XXXX XXXX as of the date of this complaint, XX/XX/XXXX. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-05-17 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: GA

Complaint narrative:
According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit 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 2024-05-18 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Inquiries on my report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: IN

Complaint narrative:
XXXX XXXX account number- XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorreclty .This collection account is reporting not only as OPEN but also as past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report please provide me with a copy of accurate credit report please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 2024-05-17 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : 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 2024-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX Filed on XX/XX/2018 Reference number : XXXX, has violated my right. 



15 U.S.C 1681section 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

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 2024-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX Filed on XX/XX/year> Reference number : XXXX, has violated my right. 



15 U.S.C 1681section 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: GA

Complaint narrative:
Drivetime engaged in Racial discrimination. Charging me a high interest loan despite high credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I've used Paypal since XXXX and have been content with their credit card. Last week I received a notice that I had a new card coming. I didn't order one and mine wasn't expiring but they said when there's been a breach somewhere one will be sent out automatically. Then on XX/XX/XXXX I received notice that my address had changed. I looked on their website and it had not, so I deleted it as a phishing email. The same day my regular monthly payment was declined, so I called and was told my card had been canceled the day before. I followed a link ( sent to my phone ) to verify my identity and gave them a code to confirm it. They said they changed everything back to my information and I changed emails and passwords. Today I logged back on and saw the address was not mine so I called and asked how someone could change my information from a phone call when I had to follow a link to my personal phone? The woman asked what address I wanted to change it to and I asked her how she knew who I was when I had to verify myself two days earlier? She asked what I wanted her to do so I again gave my correct address. I don't know if it wasn't changed on the XXXX or if it was changed again afterwards. As I've been changing my email address everywhere, on XXXX I saw a notice that my address had changed on my credit report. I was told by XXXX that it was under Synchrony Bank, which is what Paypal used for my credit card. I called Paypal and asked them to cancel the new card they were about to send out and to close 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 2024-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Attached I send you my FTC report, as proof of my claim and I show you all the information that is being reported erroneously and fraudulently. This affects my reputation in my credit profile.

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