vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXXXXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXXXXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX Inquiry, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Amazon Visa card application. It provided a section where you can check if you prequalified without hurting your credit. Followed the link and received a congratulations you qualified. Started to and filled out application and submitted. It came back with you are not approved. So not only are they deceptive, but also intentionally hurting your credit score. I have excellent credit score of XXXX. Now it is affected by this intentional and willful act of deception!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX  ( account number : XXXX ), XXXX XXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account XXXX : XXXX ), XXXX  XXXX  ( account number : XXXX ), XXXX  XXXX ( account number : XXXX ), and XXXX XXXX  ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, 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:
VIOLATION OF FCRA VIOLATION OF FCRA VIOLATION FCRA 15 U.S. Code 1681i Hey good day the credit bureaus has Exceeded the 30 days to do an full and thorough investigation on the inaccurate information being reported on my credit report the bureau failed to provide the full information on the investigation of the inaccurate accounts along with the contract agreements with my signature and proof that the inaccurate accounts being reported belongs to me. ( Account listed below ) : Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX Account number : XXXX THIS IS AN VIOLATION UNDER THE FCRA AND DEMAND THAT THE TWO BUREAUS REMOVED THE INACCURATE ACCOUNTS OFF OF MY ACCOUNTS IMMEDIATELY THERE VIOLATING THE LAW 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
VIOLATION OF FCRA VIOLATION OF FCRA VIOLATION FCRA 15 U.S. Code 1681i Hey good day the credit bureaus has Exceeded the 30 days to do an full and thorough investigation on the inaccurate information being reported on my credit report the bureau failed to provide the full information on the investigation of the inaccurate accounts along with the contract agreements with my signature and proof that the inaccurate accounts being reported belongs to me. ( Account listed below ) : Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX Account number : XXXX THIS IS AN VIOLATION UNDER THE FCRA AND DEMAND THAT THE TWO BUREAUS REMOVED THE INACCURATE ACCOUNTS OFF OF MY ACCOUNTS IMMEDIATELY THERE VIOLATING THE LAW 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
The car loan from Wells Fargo. We were never disclosed the interest rate, we were constantly told its only XXXX $ and not told it was 8 % a very high percentage for co-signed loan with credit score above XXXX even though asked multiple times. They kept telling us that it would be nothing big and will be similar to people with similar credit but 8 % is definitely not right. 

I called them and asked if they will reconsider lowering the percentage as we were fooled and would never would have signed such a high percentage if we knew about it. Most companies have 0 % apr on new car but we didnt get 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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XX/XX/XXXX {$75.00} XXXX XXXX XXXXXX/XX/XXXX {$27.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX N.A. ) XXXX XX/XX/XXXX {$570.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX XXXX, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : Lending Club Corp, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX XXXX, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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