vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 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: OH

Complaint narrative:
This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXXXXXX XXXX  XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a {$200.00} pre-paid AMEX gift card as a gift, and I've been trying to use this for months now. On several different websites, different stores, different locations in-person, through XXXX, etc., all to no success. I reached out to the individual stores/locations I attempted to purchase a product from, and they said it's not on their end, they aren't accepting this pre-paid card. I then check my balance at AMEX, and it shows I still have {$200.00}, and none of the attempted purchases were above that amount. 

The general internet shows that this is a common problem and I am not alone. These AMEX cards are not able to be accepted by so many places.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/2024 with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( JPMCB ) received that letter with certified returned receipt on XX/XX/2024. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information.

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information.

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Should be another way for government to credit scores and report due these on going problems credit reporting service I've tried to fix my credit report for the past year. inquiries on my account XXXX and XXXX times from the same company it to High information is not correct stuff should fell off.. I hired credit reporting attorney to resolve the situation and nothing has happened. No change no Increased on my credit report continue reading denied hi inquiry it's not fair. Wonder is the government has something to do with this because my credit report has not changed has not went over XXXX mark with paid off accounts c omplanyies bein aloud to file incorrectly with XXXX months l have has been accounts paid off in Full and accounts supposed to be removed, but still be remained

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Should be another way for government to credit scores and report due these on going problems credit reporting service I've tried to fix my credit report for the past year. inquiries on my account XXXX and XXXX times from the same company it to High information is not correct stuff should fell off.. I hired credit reporting attorney to resolve the situation and nothing has happened. No change no Increased on my credit report continue reading denied hi inquiry it's not fair. Wonder is the government has something to do with this because my credit report has not changed has not went over XXXX mark with paid off accounts c omplanyies bein aloud to file incorrectly with XXXX months l have has been accounts paid off in Full and accounts supposed to be removed, but still be remained

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had experian credit works XXXX but I let it lapse and they keep trying to biill the old card I try to login the experian app to switch to the free credit works but it won't give me that option all it gives me is the option to switch payment methods but I Dont want the premium I just want the basic credit works but they make it if you had a premium account the app or website after you put in your login info will not give you the option to switch to free plans or cancel they just keep harrassing you with declined payment emails but I want the service canceled but theyveont give the option I believe that's fraud and illegal forcing you tivtry and pay a service you Dont want I just want my account deactivated but they have no customer service email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: IL

Complaint narrative:
Victim of ID theft for past few years and have been battling to restore my name. I have filed Ftc reports and police reports ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ACOUNTS : XXXX XXXX  Account number XXXX {$50.00} XXXXXXXX XXXX Account Number XXXX {$1500.00} XXXXXXXX XXXX Account Number XXXX {$89.00} XXXX XXXX  {$130.00} XXXX Account number XXXX {$800.00} XXXX XXXX Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX {$1400.00} XXXX Account number XXXX {$350.00}, XXXX XXXX  Account number XXXX {$1100.00} and XXXX {$0.00} XXXX XXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( reinsert ) This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: IL

Complaint narrative:
Victim of ID theft for past few years and have been battling to restore my name. I have filed Ftc reports and police reports ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ACOUNTS : XXXX XXXX Account number XXXX {$50.00} XXXX Associates Account Number XXXX {$1500.00} XXXXXXXX XXXX Account Number XXXX {$89.00} XXXX XXXX {$130.00} XXXX Account number XXXX {$800.00} XXXX XXXX Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX {$1400.00} XXXX Account number XXXX {$350.00}, XXXX XXXX  Account number XXXX {$1100.00} and XXXX {$0.00} XXXX  XXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( reinsert ) This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding inaccuracies in my Equifax and XXXX credit report. According to my recent review, there are discrepancies between the information reported on my Equifax and XXXX credit report and that reported by other credit bureaus. Specifically, I have observed that my Equifax report includes 13 inquires that do not align with the records on my XXXX and XXXX reports. As well as I noticed that when I looked at my XXXX report there are 27 inquires that also that do not align with the records on XXXX and Equifax. I should not have these inquiries. Please remove immediately! 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I have previously disputed these inaccuracies directly with Equifax & XXXX however, the issue remains unresolved. 

**Details of the Discrepancies : ** - **Equifax** XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX VIA DEALER Inquiry date XX/XX/XXXX XXXX  XXXX VIA DEALER Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX I request that the CFPB intervene to ensure that Equifax addresses and corrects these inaccuracies promptly. Please find attached copies of my credit reports from Equifax and other bureaus for your reference. 

Thanks a lot for your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/XXXX, I had received a certified mail that was delivered by the United States Postal Service into my mailbox that was sent by my current credit card company named PenFed Credit Union. Upon opening up the letter, it said that my current credit limit have been reduced from {$06000.00} to {$500.00} based on three small basic reasons that is not even sufficient enough to make the change on my account. 

I currently owed {$0.00} balance before, during, and after the letter has been sent to me. The last time I used my credit card was back in XXXX. 

I had uploaded and attached documents that is related to the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
This Inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-08 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: NJ

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ EXPERIAN ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
XXXX an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My account was terminated and collections are after me for {$830.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation