vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, 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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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:
Dispute Department : Fraudulent XXXX/DEPT OF ED ACCOUNTS ( Reference 15 usc 1681i ) XXXX : XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible

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 2023-05-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello! : - ) The previous XXXX with {$1700.00} in collections involving a ( n ) XXXX XXXX student loan and a ( n ) written off/charge off credit card, in addition, approximately XXXX hard inquiries erased. Use the modulator and increase the credit score on the Experian to correct given the deductions. Please do correctly, I do not like having to complain, okay. 
Also, the XXXX sent a ( n ) Experian deletion letter that was never indicated on my Experian.com screen. the XXXX is to be deleted entirely from the credit report. 
I'd like the credit score to increase given the previous data and erasures and deletions. I do not want a ( n ) XXXX on my credit score after the previous data included the XXXX with all the baggage. The entries are clean so increase the score and indicate credit matches within Experian please. XXXX XXXX XXXX XXXX 
Thank You! : - ) Sincerely, 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: IA

Complaint narrative:
I have filed with the Trade Commission out of XXXX Colorado where my Identity has been stolen and has in fact SSI number was being used all over the U.S., as well as finding that my device, computer, phones, emails have been hacked and compromised. Large purchases have been made from email accounts which I have not made or created. money on employment pay debt. cards all with-in last five years half or all money has disappeared I filed a report with the FBI. Back in 2020 I had a book I have written and copyrighted XXXX XXXX  were made to XXXX XXXX XXXX  in New York, XXXX XXXX, there after my brother XXXX XXXX XXXX a police officer stolen my book from the evidence lock from XXXX XXXX police station which XXXX and past employers ( Bosses ) at last 3 jobs ended up with it books passing it back and forth selling it on -line ... which was file back in 2020 with the FBI .... case number was given XXXX XXXX XXXX was reprimanded, disciplined and or later fired ( uncertain ) ... since then my Birth-Certificate all my Identity was being stolen at 4 different time with different address and information and all my email even my XXXX XXXX account has all disappeared plus my XXXX file my XXXX XXXX XXXX and files have disappeared. and the fraud continues today worst even houses for last 5 years have being robbed completely of all it contents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian reported my credit as " fair '' and my Lender pulled back my LOC impacting the cashflow of my company. My Bank ( XXXX ) reports my FICO score as XXXX via XXXX, and that is correct, as I owe {$0.00} -- I pay all credit cards off monthly and am currently in the top 10 % of earners. Experian won't reveal the information that they say I am late in paying ( 2 accounts ) and they won't answer the phone. I sent a note in. But these are urgent issues that if they are going to lower someone's score over XXXX pts, they must ( a ) reveal why, and ( b ) be ready to explain on the phone. Escalating this issue to you to regulate as this destroys small businesses and I've had issues with Experian mis-representing my credit score in the past. Thanks for the help,

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to inform you that there is information on my credit report that has resulted in identity theft. I have not provided written permissions or instructions for the identified transaction to be reported on my consumer report. Therefore, I kindly request that the reporting of this information be blocked and deleted. 

I want to emphasize that my request to block is not being made in error. Additionally, my request to block is not based on a material misrepresentation of fact by me that is relevant to blocking the identified transactions. It is important to note that the identified transactions do not pertain to any transaction made by me as the consumer. The transactions in question are as follows : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX no third party involved According to the Fair Debt Collection Practices Act ( FDCPA ), upon the consumer 's request, you are obligated to block all transactions reporting to my consumer report within 4 days from the date of receipt of this notice. I am eagerly awaiting your prompt response. 

Thank you for your attention to this matter. 

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 2023-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMO BANK NATIONAL ASSOCIATION
State: AL

Complaint narrative:
This is the law so i need them to reverse every late payment bank of the west ever put on my report and i want a check for every late fee they charge because i know the law ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, 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:
Report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Please wait... 
XXXX XXXX XXXX Print report XXXX Calculated using XXXX XXXX Provided by XXXX Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXXXXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

See an error? 
You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 

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 + {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

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 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Report from : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Please wait... 
XXXX XXXX XXXX Print report 525 Calculated using VantageScore 3.0 Provided by TransUnion Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYMENT INFO SXXXX XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts Here 's every account on your TransUnion report. Click on the account name for more details. 

See an error? 
You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 

XXXX XXXX XXXX XXXXXXXX XXXX  Reported : XX/XX/XXXX + {$490.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$110.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$140.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$430.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX Collections

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 2023-05-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime today, without warning, sent me an email, informing me that they decided to close my account, without a reason. There was no advanced notice and immediately had no access to my account or funds -- which is all the money I have. I called support and spoke with a supervisor, who also could not provide me a reason why my account closed, and that they would wend me a paper check in approximately 30 business days. Furthermore, all of my direct deposits are linked to this account, and are scheduled to be disbursed this Friday, and they had no clue how I could redirect these funds or what would happen to them. Chime has taken away all of my money and not provided a way to expeditiously retrieve them -- all without prior notice or cause. They've jeopardized my ability to buy food, pay for housing, and my entire livelihood, all in error. This is unacceptable and an egregiously irresponsible business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have tried on many different occasions to remove my Citi Bank Secured Card from my credit report/Profile. I have called the Citi Bank directly, as well as dispute with the three credit bureau and each time it is verified, or each time I call either companies they tell me to contact the other party to get it removed, leaving me in circles going back and forth. 

The account was paid in settlement in XXXX. When I call to confirm the balance, it is XXXX or not found but it is still showing on my profile. Citibank sent me a paid in full letter, with a XXXX balance, dated XX/XX/XXXX but will not remove the account from my credit report. I sent this to the bureaus but it continues to report on my credit file as valid which is affecting my credit report and score.

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 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am involved in malpractice litigation with this hospital and doctors, you had previous accounts on my credit report that were removed without a problem with an email from a manager with your company stating he would remove all debt accounts related to this institution, could you please remove these last 2 accounts in the amounts of {$1800.00} and $ XXXXwith Credit Management Company. I do not owe them and everything from this facility has previously agreed to remove any accounts from this facility. 


Thank you for your help in this matter!

Company response to consumer: Closed with explanation