vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: MI

Complaint narrative:
After reviewing my Experian credit report, I discovered inaccurate information that I believe places Experian in violation of my rights under 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681s-2, furnishers of information are required to provide accurate data to credit bureaus, yet these errors persist despite my attempts to resolve them directly with the furnishers. 
The presence of these inaccuracies is negatively impacting my life, restricting my ability to access credit, limiting financial opportunities, and causing unnecessary stress. Furthermore, the incorrect information makes identity theft more likely, as unresolved or inaccurate data can leave my personal and financial details vulnerable to misuse. I have disputed the errors with Experian, but they have failed to conduct a proper reinvestigation as required under 15 USC 1681i-5.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is the only credit bureau reporting an allege repossession from XXXX XXXX. I am requesting validation of this account. I have not received any information to view for this account.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting corrections to the addresses associated with the following accounts : Account Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The address listed for this account on my credit report is incorrect. I request that you correct this information to reflect the accurate address of the creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The address provided for this account is also incorrect. Please update the credit report with the correct address for this creditor. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Account Manager : XXXX XXXX XXXX  The address listed for this account is incorrect. Please ensure that the credit report reflects the accurate address of both the original creditor and the current account manager. 
The inaccurate information on my credit report is significantly impacting my ability to obtain credit and pursue important financial goals, such as purchasing a home. Under the FCRA, you are required to investigate and correct any inaccuracies on my credit report. I have attached relevant documents that support my request and indicate the correct addresses where applicable. 

Please correct these inaccuracies as soon as possible and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Please contact me if you need any additional information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  sold my account to XXXXXXXX XXXX. When my account was sold XXXX provided the wrong information - the wrong address, phone number, email, everything. They also disabled my login, and left me unable to authenticate myself ( can't if I dont have account number or matching information ). I was unable to register a new login because my information did not match ( I live in Texas, the address was a new york corporate address for a corporation I do not work for and never did ). 
This negligent act meant the company would not allow me to make payments and it took several months to correct this issue. By the time it had corrected they marked me with a 30, 60, and 90, 120, and 150 day late payment on my credit report. While the account is current now they intentionally and maliciously sabotaged my credit score. Then to add salt to the wounds they slashed my credit limit based on the low score they caused.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  sold my account to XXXXXXXX XXXX  When my account was sold XXXX provided the wrong information - the wrong address, phone number, email, everything. They also disabled my login, and left me unable to authenticate myself ( can't if I dont have account number or matching information ). I was unable to register a new login because my information did not match ( I live in Texas, the address was a new york corporate address for a corporation I do not work for and never did ).

This negligent act meant the company would not allow me to make payments and it took several months to correct this issue. By the time it had corrected they marked me with a 30, 60, and 90, 120, and 150 day late payment on my credit report. While the account is current now they intentionally and maliciously sabotaged my credit score. Then to add salt to the wounds they slashed my credit limit based on the low score they caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  sold my account to XXXXXXXX XXXX. When my account was sold XXXX provided the wrong information - the wrong address, phone number, email, everything. They also disabled my login, and left me unable to authenticate myself ( can't if I dont have account number or matching information ). I was unable to register a new login because my information did not match ( I live in Texas, the address was a new york corporate address for a corporation I do not work for and never did ). 
This negligent act meant the company would not allow me to make payments and it took several months to correct this issue. By the time it had corrected they marked me with a 30, 60, and 90, 120, and 150 day late payment on my credit report. While the account is current now they intentionally and maliciously sabotaged my credit score. Then to add salt to the wounds they slashed my credit limit based on the low score they caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I have had to research and pay for credit consultants to help fix my credit and get inaccurate inquiries off my credit from XX/XX/XXXX to XX/XX/XXXX and still have not been able to correct all the inquiries before another data breach happened and added more inquiries to my credit report as well as solicitation calls that I cant seem to stop including text messages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The facts of the case ( Citi closed my bank account and credit card accounts, and my son 's accounts due to guilt by association for depositing numerous virtually identical money orders into my Citi Bank account, even tho numerous Citi bankers advised me that my account would not be shut down for doing that ) have been correctly summarized in a complaint filed by my son, XXXX XXXX, so I will not repeat them here. 
Case # XXXX. 
Citi asserted that their training employees to give out false information and then closing the account when i followed the incorrect advise was OK because their agreement with me gave them the absolute right to shut down accounts for any reason. 
I agree that they have an absolute right to shut down accounts for any reason but that is very different question from whether they can proactively lie to customers and then punish their customers for relying on the false information. ( Lied to me by saying that multiple very similar money order deposits were OK, then closing my accounts when I followed their advice. ) The CFPB closed my son 's complaint, sending the message to Citi ( and to whatever other credit card companies fiund out about this outrageous decision ) that they are free to lie to their customers in any way they want to, or to proactively take other actions which harm their customers and hide behind the " we can close account for any reason '' language to justiy their actions. 
This is a huge and dangerous precedent to set, going way beyond the specific fact pattern of my case. 
Close an account because a banker was XXXX of that a customer complained about improper XXXX advances? No problem, Citi has a right to close any account. 
Close an account because the banker did not like the race, or XXXX orientation of a customer? No problem, the CFPB has Citi 's back. 
If you feel it is appropriate to let companies do this, at a bare minimum it should be disclosed that Citi 's right to close extends not only to problematic actions of the customer, but problematic actions which only occur becaus ethe customer is following incorrect Citi advice. 
Something along the lines of " Citi 's right to close your account includes not only situations where the customer does things on his/her own which Citi does not feel are acceptable, but also situations where the customer does unacceptable things after being specifically advised by Citi that those things are acceptable. '' If you decide to close this matter without further action, please feel free to include a statement of your reasoning, which I will include in any media or Congressional oversight complaints that I file. ( This offer is extended to Citi as well. ) There was no such explanation when you closed my son 's complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am filing a complaint against Early Warning Services ( EWS ) for the unauthorized and fraudulent use of my personal information. I have never contacted this company, nor have I authorized them to access, report, or share any of my personal data. Despite this, EWS has included information in their records associated with my identity, which I did not approve or verify.

At no point did EWS reach out to me to confirm any of the information they are reporting. This lack of verification and unauthorized use of my personal data is not only inaccurate but constitutes identity theft and fraudulent activity. Specifically, there are inquiries and accounts reported by EWS that are not associated with my correct address or personal details. Any account or record that does not list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the address is false and should be removed immediately. 

This unauthorized reporting is causing significant distress and could potentially harm my financial standing. The fact that EWS is reporting information without my consent or verification is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires a permissible purpose and consumer authorization before accessing or reporting personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is reporting as a debt owed to an apartment agency on my credit report. I have never lived in that state. During that time I was in college and did not get my first apartment until XXXX. I tried calling the apartment complex for more information but it seems they no longer exist. I asked the debt collector for proof such as ID provided but all I received was a lease which was not signed by me and a list of charges. I have not received any information in regard to who actually signed this lease and was living in the unit. They have also sent payment confirmations which I have went over with my bank and there are no charges for these dates! I have never made a payment from any of my bank accounts to this apartment. Most of the charges are reporting as returned. So its clearly identity theft because the person did not have intent on paying rent from the beginning. Returned charges show on my bank statements and there are none for this date and company. Anyone can sign a piece of paper with anyone name to get an apartment which is why I asked for some type of identification because from my understanding ID must be provided. It seems the lease started on XXXX and starting on XX/XX/XXXX there were return payments for ach. This isnt right. I have never owed an apartment complex. I was in college at that time. I am now trying to buy a house and this is killing me. I have tried calling the debt collector and all they offer is the option to make a payment. I should not have to pay for a debt I do not owe. I should be able to be provided with some type of actual proof such as ID provided or video proof of me coming in and signing a lease. Any one can clearly sign a piece of paper. Again, I tried calling the apartment complex and they have no information since they no longer exist. This is truly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I filed a dispute with the company for two XXXX accounts that XXXX found to be placed on my credit in error the company has refused to remove these inaccuracies after I provided proof from XXXX the company falsely used the FCRA to keep reporting inaccurate accounts on my credit profile when requested proof of accuracies the company failed to provide any documents to support the inaccurate accounts, XXXX {$1300.00} report date XX/XX/XXXX XXXX XX/XX/XXXX {$5100.00}. refer to 1501 U.S. Code 1692 ( g ), 1501 U.S. Code 1692 ( c ).

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