vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-07-25 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: CA

Complaint narrative:
Inaccurate information was and is currently being reported on my consumer report. They reported wrong dates and accounts. This information is being reported from XXXX, Transunion, XXXX XXXX, to Please remove the late payment remarks on my consumer credit report because they are inaccurate, and the following accounts also are inaccurately being reported I have no knowledge of these accounts, nor do I have a contract with these companies. I requested XXXX and theses companies XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX to conduct an investigation on these accounts. All these companies failed to provide proof of the investigation on the first request of XXXX days and on the second request of over XXXX  days. 
Account Numbers from XXXX, XXXX, and TransUnion. 
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 non-monetary relief
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
Inaccurate information was and is currently being reported on my consumer report. They reported wrong dates and accounts. This information is being reported from XXXX, XXXX, Experian XXXX, to Please remove the late payment remarks on my consumer credit report because they are inaccurate, and the following accounts also are inaccurately being reported I have no knowledge of these accounts, nor do I have a contract with these companies. I requested XXXX and theses companies XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX to conduct an investigation on these accounts. All these companies failed to provide proof of the investigation on the first request of 30 days and on the second request of over 30 days. 
Account Numbers from XXXX, Experian, and 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 2024-07-25 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: TX

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to tI strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.his matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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:
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. 
Account name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2024-07-25 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: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-07-25 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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 2024-07-25 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 2024-07-25 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: DE

Complaint narrative:
Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX XXXX XXXX, Transunion, and XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXXXXXX XXXX  - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : XXXX. [ ] XXXX XXXX. XXXX Section XXXX02 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. FTC Identity Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents

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 2024-07-25 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: DE

Complaint narrative:
Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX Experian, XXXX, and XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. FTC Identity Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents

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 2024-07-25 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: KY

Complaint narrative:
recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-07-25 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: MoneyLion Inc.
State: AZ

Complaint narrative:
Loan # XXXX was taken out in XX/XX/year> and I was making all payments on time. However, I switched my banking from XXXX to XXXX. After I made the swap, I updated my billing information to continue making my payments on time. However, the company would not use the new card number or checking account number I provided. Therefore, the account fell behind and eventually became a charge off with a reported balance of {$340.00}. When I would contact the company they would tell me there was nothing they could do. To this date, they are reporting the charge off monthly adding late payments to my credit report for the past few years. Trying to resolve this, calling, using the companys app chat with customer care option and emails have not been helpful as they seem to have been abandoned. How is one supposed to settle an account to prevent more negative marks on their credit report when the creditor refuses to respond in any way? How am I supposed to pay? This is affecting my day to day life and future goals. After some research I see this seems to be a reoccurring problem with this company. 

With their refusal to provide any contact or documents I need their accounts removed from my credit report in a timely manner. Ive tried disputing and they respond to the dispute by moving around the months of late payments, paying no mind to what the dispute was for. They provide no contact, and no documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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:
XX/XX/year> I asked that this issued be looked into with XXXX  XXXX 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 2024-07-25 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-25 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, This is hurting my ability to obtain credit, and also causing me to have very high unfair interest rates.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Subject : Request for Investigation of Identity Theft on Credit Report Dear [ Credit Bureau ], I am writing to bring to your attention a serious issue that has negatively affected my credit report due to identity theft by a family member who shares my same identity. I am the victim of fraudulent activity that has been perpetrated by XXXX  XXXX who is identical to me and has maliciously used my personal information to open unauthorized accounts. This situation is especially distressing as XXXX  XXXX ] and I have a tumultuous relationship resulting from personal betrayal when she had an XXXX  with my husband at the time. I strongly believe that her actions in committing identity theft against me are a deliberate attempt to cause further harm and damage to my financial well-being. I have taken steps to address this issue by contacting the credit reporting agencies and initiating disputes for the fraudulent accounts on my credit report. However, I urge you to conduct a thorough investigation into this matter to rectify the inaccuracies and remove any unauthorized transactions XXXX  XXXX {$1000.00} XXXX XXXX  {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Name is XXXX i recently got off the phone with XXXX and XXXX his supervisor ( XXXX ) on XX/XX/year> @ around XXXX. I am writing to express my dissatisfaction with the handling of an unauthorized charge on my account. On XX/XX/year>, I noticed a charge of XXXX from XXXX that I did not authorize. I have been a loyal Chase Bank customer for 9 years and XXXX on my business and have never had to report any issues with my account until now. I promptly reported the unauthorized charge to your customer service department. To my dismay, I was informed that I would be charged a {$30.00} fee to stop the payment. This fee is both unreasonable and unjustified, especially considering that I have never before had to dispute a charge on my account. As a valued customer, I expect Chase Bank to take swift and effective action to resolve unauthorized transactions without imposing additional financial burdens on me. I request that the {$30.00} fee be waived and that immediate steps be taken to stop the unauthorized payment and investigate the matter thoroughly. I trust that Chase Bank will address this issue promptly and ensure that such incidents are handled more appropriately in the future. I look forward to your prompt response and resolution of this matter. Thank you for your attention to this important issue. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation