vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reporting me as such.

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 2024-01-05 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: NY

Complaint narrative:
XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX Experian I hope this letter finds you well. I am writing to bring to your attention certain outdated accounts that are currently listed on my credit report, and I kindly request your assistance in having them removed. The inclusion of these accounts is negatively impacting my credit score, and I believe their removal is warranted for the following reasons : * Age of the Accounts : The accounts in question are considerably old, and their continued presence on my credit report no longer accurately reflects my current financial standing. As per the Fair Credit Reporting Act ( FCRA ), outdated information should be removed from credit reports to ensure accuracy. 
* XXXX Balance : All the mentioned accounts currently hold a balance of {$0.00}. Given that there are no outstanding debts associated with these accounts, their presence on my credit report is not reflective of any current financial obligations.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an inquiry into these accounts, as I am never tardy, but they are mistakenly reporting me as such.

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 2024-01-05 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: CA

Complaint narrative:
I contacted XXXX on XX/XX/XXXX with no recourse. I am due an accurate credit report I have misspellings as well as several unmailable addresses that need to be deleted immediately, I choose to opt out of reporting pursuant to 15 usc 6802. I the consumer choose to opt out. Any authorization I have given whether written or unwritten verbal and non verbal as a federally protected consumer.According the privacy act of XXXX states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
I've also reached out to dept of Ed/XXXX to remove all accounts due to the XXXX It prohibits educational institutions from disclosing personally identifiable information in education records without the Witten consent of an eligible student. 2o uses 1232g ( ( b ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see the attached documents. I ask the bureau to begin an investigation into these accounts, as I am consistently on time, yet they are inaccurately reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: AZ

Complaint narrative:
After thoroughly checking my credit reports, I spotted inaccurate Public Information that need reporting and correction through your company.

I have attached the copy of my dispute letters that were sent it to the Bureaus.

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 2024-01-05 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: AL

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I needed to see when I bought a product some years ago. So, I went to online banking and searched for the vendor ( XXXX XXXX ) that I bought it from, since i used a debit card. The search only goes back 18 months, so I figured that I should just download old statements, but they wanted me to download all old statements month by month for years on end. They refused to provide either an XXXX to script this, or provide a single download that I can then search myself. This seems to me to either be incompetency ( it is very easy to provide such a download if you have access to the system 's back end and are a XXXX I am a XXXX XXXX ), or an intentional attempt to restrict access to my information. Neither of these is acceptable.

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 2024-01-06 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: TX

Complaint narrative:
It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - Transunion, XXXX, & XXXX are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.

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 2024-01-06 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: TX

Complaint narrative:
It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - XXXX, Equifax, & XXXX are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to officially dispute certain items on my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy.

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: LA

Complaint narrative:
After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal 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 2024-01-05 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: TX

Complaint narrative:
It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - XXXX, XXXX, & Experian are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.

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 2024-01-05 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: Chime Financial Inc
State: SC

Complaint narrative:
My credit card information was stolen and used to make a purchase I did not authorize. I have filed 3 disputes, with proof and am still being denied reimbursement. The invoice attached shows the item was not sent to my home address as listed on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to express my concerns and seek a resolution regarding recent interactions with your agency concerning accounts falsely attributed to me. I have been in contact with your agent, XXXX ( ID : XXXX ) I have repeatedly informed your representatives that these accounts are not mine and have requested verification documents to substantiate the claims associated with them. Despite my clear communication and requests for evidence, I have yet to receive any such verification. Instead, I am met with prolonged holding times often exceeding 30 minutes, only to have the calls disconnected without resolution. 

The insistence on immediate payment for these unverified and inaccurate debts is not only distressing but also unacceptable. The lack of response and failure to provide necessary documentation leaves me in a position where I am unable to resolve this matter effectively. 

I am requesting immediate removal and update of these erroneous accounts from my records. It is imperative that this issue is addressed promptly to avoid further inconvenience and potential harm to my financial standing. 

I expect a written response confirming the removal of these accounts and an update on the steps taken to rectify this situation. Your cooperation in resolving this matter efficiently is highly appreciated. 

Thank you for your prompt attention to this matter. I look forward to a resolution at the earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
a month ago, 4 fraudulent accounts appeared on my account as late payments. The company is called Affirm pay now pay later. I called the company to identify the accounts but the company refused due to there being a different number and address on the account. These accounts were made fraudulently and these accounts are ruining my credit. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: MO

Complaint narrative:
I am writing to bring to your attention a matter of utmost concern regarding the persistent presence of fraudulent items on my credit file. Despite multiple attempts to rectify this situation through your dispute process, I am dismayed to report that the fraudulent items remain unresolved.

I have attached copies of my credit reports, highlighting the fraudulent items, and previous dispute correspondence for your reference.

I have diligently followed the established procedures for disputing inaccurate information on my credit report, providing all necessary documentation and evidence to support my claims. However, to my dismay, these efforts have proven futile, and the fraudulent items persist on my credit report.

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the fraudulent items listed on my credit report.

Provide a detailed explanation for the failure to remove the fraudulent items despite previous disputes.

Take immediate steps to rectify the inaccuracies and update my credit report accordingly.

Provide confirmation of the resolution in writing, including the expected timeframe for completion.

I understand the importance of accurate credit reporting, and the presence of fraudulent items has adversely affected my financial standing. As a responsible consumer, I have taken all necessary steps to address this issue, and I expect a swift and satisfactory resolution.

I request that this matter be resolved within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I received a letter from CapitalOne, dated XX/XX/2023, requesting more information to continue to review my application for a Capital One XXXXXXXX XXXXXXXX XXXX  including a copy of photo ID. 

I submitted no application. A hard credit pull was performed with the credit reporting agencies and according to my account with XXXX, my credit score went down a few points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested for the credit agency to remove/delete a bankruptcy that is inaccurate. I also requested for the company to provide detailed information on the process that is used to verify bankruptcies but the agency failed to provide this information. This has been very difficult to fix. It has been over 30 days with multiple disputes without a solution/explanation. The company has not deleted/ removed this from my report causing me tremendous financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
I have requested for the credit agency to remove/delete a bankruptcy that is inaccurate. I also requested for the company to provide detailed information on the process that is used to verify bankruptcies but the agency failed to provide this information. This has been very difficult to fix. It has been over 30 days with multiple disputes without a solution/explanation. The company has not deleted/ removed this from my report causing me tremendous financial distress.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had an unauthorized transaction on my Bank of America credit card on XX/XX/2023 in the amount of {$620.00}. I've filed a chargeback with Bank of America regarding the charge and it was denied because the transaction matches " previous charges I've had with XXXX XXXX ''. 

I have purchased from XXXX XXXX before and made several purchase for XXXX. The {$620.00} does not match any of my online or in store transactions. 

Bank of America refuses to investigate further and will not refund my {$620.00}. 

I've contacted XXXX XXXX and they can not help with anything associated with the charge because it was not through a XXXX XXXX credit card and have asked me to contact Bank of America.

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 2024-01-05 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: AZ

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 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: AZ

Complaint narrative:
In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
The company name is XXXX they charging me something that I dont owe they an offer that I sent my XXXX XXXX and XXXX and they sent me my XXXX XXXX then now they charged almost XXXX I dont know why thats not fair cause we had a deal. Thanks

Company response to consumer: Closed with explanation