vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I placed a dispute to transunion stating the information on my credit report was incorrect, they did not do a thorough investigation and sent the information back as verified, the accounts in question one account is not my account, and the other account has never been late due to documents disclosed below.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My credit report shows the balance as over the limit but my balance is XXXX I had an issue with a merchant charging me a bunch and this is negatively effecting my credit.

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 2024-04-19 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: SC

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number : XXXX 51 US.C. 1681 section 602 .A States I have the right to privacy.

51 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation. 


Sincerely, 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 2024-04-19 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: SC

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account XXXX : XXXX 51 US.C. 1681 section 602 .A States I have the right to privacy.

51 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation. 


Sincerely, 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 2024-04-19 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: TX

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-04-19 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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-04-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-04-19 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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
Certainly, here 's the expanded explanation, incorporating the additional information about the court 's response : " I'm filing a complaint because I've been unfairly declined for several lines of credit due to inaccuracies on my credit report. Specifically, my credit report shows a bankruptcy marked as 'dismissed ' without accurately reflecting the reasons for its dismissal. The bankruptcy was actually dismissed because of failure to pay the filing fee and to file necessary information. This inaccurate portrayal of the bankruptcy on my credit report has significantly impacted my ability to access credit. 

Moreover, I received a letter from the court stating that they do not verify information from credit bureaus or any other reporting agency. This means that there's no reliable way for the credit bureaus to verify the data they have furnished, and it's widely known that they purchase data, which is often inaccurate, from sources like XXXX. 

These actions by the credit reporting agencies ( CRAs ), Experian and XXXX, violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting of consumers ' credit histories. The inaccuracies on my credit report have led creditors to view me as a higher risk, resulting in declined credit applications. 

As a consumer, I have rights under the FCRA, including the right to dispute inaccurate information in my credit report and the right to receive accurate disclosures from creditors regarding adverse actions taken based on my credit report. 

Therefore, I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address these violations of the FCRA. In my complaint, I will detail the inaccuracies in my credit report, the adverse actions I've experienced, and the violations of the FCRA by the CRAs. 

I am seeking remedies such as the correction of the inaccurate information on my credit report, compensation for any damages suffered as a result of the inaccuracies, and enforcement actions against the CRAs for their violations of the FCRA. 

By filing this complaint, I am taking steps to protect my rights as a consumer and ensure fair and accurate reporting of my credit history. ''

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, Recently, I come to Know through XXXX XXXX XXXX check up that Bank of America made XXXX different credit cards using my social security number without my consent. 

Credit Card # XXXX : Opened XX/XX/XXXX and left a balance of {$840.00} and closed it on XX/XX/XXXX. So that balance is still on my name. 
Credit Card # XXXX : Opened XX/XX/XXXX and did some transaction themselves. Then paid in full or write off the balance and closed it XX/XX/XXXX Credit Card # XXXX : Opened XX/XX/XXXX and XX/XX/XXXX. Also did some transactions but paid or write off the balance not sure. 

They also created my new name by adding a fake middle name in my name. Also change my last name and created a third fake name. 

I am not sure who but probably they also added a new job ( not mine ) and new home address ( not mine ). 

I respectfully request to XXXX Bank of America to issue the refund of {$840.00} and clear these XXXX fake credit cards from my credit history. These fake credit cards drop my XXXX XXXX for about XXXX point negative. Also please charge bank of America a good penalty so that they learn they lesson and never use consumer social security number to make fake credit cards without their consent. Please compensate me in that penalty since because of these, I have to spend so much time to clear my credit history. 

Thank you.

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 2024-04-19 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: IL

Complaint narrative:
Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  well-being, disrupting my sleep and peace of mind.

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 2024-04-19 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: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the information contained in my credit report. Upon thorough review, I have identified several inaccuracies that have not been rectified despite previous attempts to address them. 

I have diligently followed the dispute process outlined by your bureau, providing supporting documentation and explanations to support my claims of inaccuracies. However, despite my efforts, the errors persist, and there has been no resolution. 

It is imperative that these inaccuracies be promptly addressed and corrected to ensure the accuracy and fairness of my credit report. I kindly request that you conduct a thorough investigation into the disputed items and take the necessary steps to rectify the errors. 

I appreciate your attention to this matter and request regular updates on the progress of my dispute. Your prompt action in resolving these discrepancies is crucial. 

Thank you for your cooperation.

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 2024-04-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously 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 2024-04-19 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: SC

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX  US.C. 1681 section 602 .A States I have the right to privacy.

51 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention an error that appears on my Equifax credit report, which is negatively impacting my credit score. The accounts in question are account # XXXX XXXX XXXX XXXX, which is listed as XXXX XXXX XXXX and account # XXXX, which is listed as XXXX XXXX XXXX ( XXXX XXXX  ). I am not responsible for these accounts due to my divorce from XXXX XXXX. 

After a thorough review of my credit report, I have determined that these accounts are not mine, and I believe they should be removed to accurately reflect my credit history. I have attached relevant documentation, including a copy of my divorce decree, which demonstrates the dissolution of my financial ties to my ex-spouse. 

I have attempted to get this rectified with Equifax and the creditors without any results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
Crown Asset Management sued me using XXXX XXXX XXXX for a very old debt that was not signed in the State of XXXX  and the debt was cancelled in a Class action settlement with XXXX who is the original company. 

XXXX did not give me proper notice and once I received notice it was for garnishment because the judge had pushed the lawsuit through without making sure XXXX actually served me for me to explain that the debt was old and canceled on a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
I am filing a complaint with the Consumer Financial Protection Bureau regarding TransUnions, XXXX 's, And XXXX XXXX failure to remove fraudulent accounts from my credit report, despite providing evidence of the fraud. These accounts were opened in my name without authorization, and despite repeated attempts to rectify the situation, TransUnion has not taken appropriate action. This situation is adversely impacting my credit score and financial well-being. I request the Consumer Financial Protection Bureaus assistance in resolving this matter promptly.

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 2024-04-19 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: Larry H. Miller Group of Companies
State: VA

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 : Prestige Financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: VA

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a booking for XXXX XXXX on XX/XX/2023 through a fraudulent website called XXXX. I had immediately called the hotel after the booking to find out that XXXX had no authority to sell reservations and that it was a fraud company. I immediately called Citi Mastercard and the fraud department told me to file a fraud case to get my money back. I sent in a letter from the hotel stating it was fraud. The case took over 2 months and I got a letter stating that the case was opened up incorrectly by them and that it should have been a billing dispute not a fraud case because I did actually give them my credit card info. So a new billing dispute was opened up and I resent all the information I had from the hotel stating it was not a real reservation. 2 months go by because they never opened up any of the supporting documents I sent. I called and they finally agreed to open the emails and added them to my file. Then they sent me some random statement they wanted me to sign which I did so on XXXX XXXX and emailed it but again they did not add it to the file. On XXXX XXXX they closed my case stating it had been too long and they will not reopen it. IT WAS TOO LONG BECAUSE THEY MISHANDLED THE CASE FROM DAY 1. I AM NOT RESPONISIBLE FOR THIS BOGUS CHARGE. THEY HAD EVERYTHING THEY NEEDED TO GIVE ME BACK MY MONEY BUT THEY REFUSE. IT IS ABSOLUTE INCOMPETENCE.

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 monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: VT

Complaint narrative:
PNC bank made new policy of charging $ 7 monthly fee if account doesn't have sufficient funds of $ XXXXminimum. I contacted PNC customer service on numerous occasions to protest insufficient amount service fees of {$7.00}, yearly {$84.00} fee!!! I consider this to be legal stealing money from customers. Through last five years PNC stollen {$420.00} from my account by implementing new stealing in law policy. Not enough for CEO salaries??? I consider this extremely unethical and disturbing! I request refund of {$420.00} back to my account.

Company response to consumer: Closed with explanation