vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account hurting my ability to obtain credit. This account charge off on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Since then the account has repeatedly been updated as charger off every moth.This is an update in the payment history. A charger off account should NOT include an active payment history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you will reinvestigate this account properly and see its has violated my rights of privacy. I am demanding a deletion of the following account of my credit report. Account Name : XXXX 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 2024-12-08 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account hurting my ability to obtain credit. This account charge off on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Since then the account has repeatedly been updated as charger off every moth.This is an update in the payment history. A charger off account should NOT include an active payment history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you will reinvestigate this account properly and see its has violated my rights of privacy. I am demanding a deletion of the following account of my credit report. Account Name : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccuracies on my credit report related to the Capital One account ( Account XXXX XXXX ). Despite my disputes, these errors remain unresolved, causing harm to my credit profile and financial stability. The details of the inaccuracies and violations are outlined below : Inaccuracies Identified : Payment Status : The account is listed as Collection/Charge-off, with a past due amount of {$2900.00}, even though the account shows a closed date of XX/XX/XXXX. 
The account status should not reflect ongoing derogatory reporting for a balance that was charged off over four years ago. 
Discrepancy in Reporting Date : The date of last activity is listed as XX/XX/XXXX, but the last payment date is shown as XX/XX/XXXX, which is inconsistent and impossible. 
This discrepancy violates the requirement for accurate and consistent reporting under the FCRA. 
Balance Owed and Payment Amount : The balance owed is reported as {$2900.00}, yet the payment amount is listed as {$0.00}, indicating no payment activity.

FCRA Violations : Failure to Report Accurate Information ( 607 ( b ) ) : Credit reporting agencies must ensure maximum possible accuracy. The conflicting dates and payment status indicate a failure to meet this obligation. 
Failure to Correct Errors After Dispute ( 611 ) : Despite my previous disputes, the inaccuracies remain unresolved, violating the FCRA requirement to correct or delete inaccurate information within 30 days. 
Supporting Evidence : I have documentation, including dispute letters and proof of delivery, that demonstrate my attempts to resolve these errors. 

Requested Action : Deletion of the Capital One account due to the conflicting information and unresolved inaccuracies. 
Correction of all reporting discrepancies to ensure compliance with the FCRA. 
These inaccuracies are significantly impacting my creditworthiness and financial goals. I request immediate investigation and resolution. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I cant open no bank account because they got negative accounts on my credit report that is false they going off my credit score and my credit score is a XXXX I need them accounts off 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 2024-12-08 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: NY

Complaint narrative:
Dear CFPB, I am writing to formally dispute an account listed on my credit report, which I reviewed on XX/XX/XXXX. This account, reported under XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX Account # XXXX, is not recognized by me and contains inaccurate information. Additionally, I previously reported an instance of identity theft, which may be related to this issue. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information reported. As this account is both unfamiliar and inaccurate, I respectfully request that it be investigated and deleted from my credit file. 

To assist in the investigation, I am prepared to provide documentation supporting my claim. Please inform me if additional information is needed. I trust that you will address this matter promptly and in compliance with FCRA guidelines. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that this account has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recieved a transunion credit report and noticed 3 unauthorized/fraudulent credit inquiries from td XX/XX/XXXX, gravity auto XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX recieved an XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries from XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recieved a XXXX  credit report and noticed XXXX unauthorized/fraudulent credit inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 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 non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a XXXX wireless customer. I had 4 voice lines and a connected tablet. I ported my services to XXXX and paid off all of my remaining phone balances with XXXX. Confirming with an agent that my services were disconnected, and they were paid in full. I was assured it was. Fast forward approximately 3 months later and I notice via a secondary email that XXXX is still billing. When I called in and spoke with an agent they said " I notice the problem '' when you ported out your voice lines, you did not port your tablet data line, it became a new data only account and has been billing you. I explained that the tablet is no longer used, I want services cancelled. The agent apologized and transferred me to someone who could disconnect my account, that 2nd agent assured me I would be receive a credit, nothing was owed, and the account would be closed. Fast forward about 60 days and I receive yet another notice, this time from XXXX collections stating I owe money still. After 3 calls and the collections department refusal to let me speak with anyone else, I finally just paid the balance. 30 days later a paid collections shows up on my credit report. This should not have been a collection, XXXX created a data only account without notification, XXXX made commitments and gave false information.

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 2024-12-08 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: NJ

Complaint narrative:
Transunion is reporting inaccurate and fraudulent information on my credit report in reference to account # XXXX XXXX XXXX I have never owned or been associated with this 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 non-monetary relief
Consumer complaint received 2024-12-08 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:
I was a XXXX wireless customer. I had 4 voice lines and a connected tablet. I ported my services to XXXX and paid off all of my remaining phone balances with XXXX. Confirming with an agent that my services were disconnected, and they were paid in full. I was assured it was. Fast forward approximately 3 months later and I notice via a secondary email that XXXX is still billing. When I called in and spoke with an agent they said " I notice the problem '' when you ported out your voice lines, you did not port your tablet data line, it became a new data only account and has been billing you. I explained that the tablet is no longer used, I want services cancelled. The agent apologized and transferred me to someone who could disconnect my account, that 2nd agent assured me I would be receive a credit, nothing was owed, and the account would be closed. Fast forward about 60 days and I receive yet another notice, this time from XXXX collections stating I owe money still. After 3 calls and the collections department refusal to let me speak with anyone else, I finally just paid the balance. 30 days later a paid collections shows up on my credit report. This should not have been a collection, XXXX created a data only account without notification, XXXX made commitments and gave false information.

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 2024-12-08 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: MA

Complaint narrative:
Upon revievieweing my credit report, I have identified the following item ( s ) that contain inaccuracies 1. The following personal information is incorrect Reported names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Addresses : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX 3.The following personal information is incorrect Employment info : XXXX XXXX XXXX XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 5.The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report XXXX following account is not mine XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Please REMOVE it from my credit report XXXX following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it 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 2024-12-08 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: MA

Complaint narrative:
Upon revievieweing my credit report, I have identified the following item ( s ) that contain inaccuracies 1. The following personal information is incorrect Reported names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Addresses : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX following personal information is incorrect Employment info : XXXX XXXX XXXX  XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 5.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 6.The following account is not mine XXXX XXXX XXXXXXXX Account Number XXXX XXXX Please REMOVE it from my credit report 7.The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
credit karma advertising pre-approvals for credit card when I'm getting denied and hard inquires are being pulled onto my credit report for no reasons. I would like to dispute my hard inquires and some of them are out dated too as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my TransUnion credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These XXXX accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

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 2024-12-08 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: Experian Information Solutions Inc.
State: CA

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.

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 2024-12-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/year> ATM WITHDRAWAL OF {$660.00} AND {$300.00} WERE WITHDRAWAL 'S FROM MY ACCOUNT... .I DISPUTED THESE CUZ IT WASN'T ME SO I ASKED FOR ATM PHOTOS ... THAT I SENT WITH DISPUTE... THEY GAVE ME PROVISNAL CREDIT.. TOOK IT BACK THEN GAVE IT TO ME AGAIN YET THEY TOOK IT BACK SAYING I OWE THEM {$950.00}. 

This is crazy they keep taking my money this isn't the first time.. im not paying it... They've XXXX  me enough..I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collection on my credit report with all 3 bureaus. I have made several attempts to fix these concerns with them. The company is violating my rights and Im entitled to {$1000.00} for the violation I list, which means they either pay me or delete the accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: NC

Complaint narrative:
I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Experian credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These three accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

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