vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On several occasions I have disputed the XXXX XXXX XXXXXXXX credit card account that appears erroneously on my XXXX and TransUnion credit reports without receiving an effective response to the request, and I even made an identity theft report that I also sent but XXXX and TransUnion note that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX XXXX XXXXXXXX card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in XXXX AND TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in XXXX and TransUnion. XXXX XXXX XXXXXXXX Account XXXX XXXX ( unknown ) : Please remove it from my credit report. Status of this account XXXX XXXX XXXX, XXXX DAY LATE. LINE OF CREDIT {$500.00}. I have contacted the bank and they tell me that they do not have any information about me in their database for this card XXXX XXXX XXXX XXXX XXXX FL XXXX : Remove from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX  XXXX, reviewed my credit report and found the following Name, Addresses, and inaccurate accounts reporting in my credit report. I am a victim of identity theft and did not authorize the charges. I have provided proof of identification, Proof of address ( Utility Bill ) and my social alone with the inaccurate names and accounts that needs to be removed. 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. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXXXXXX, reviewed my credit report and found the following Name, Addresses, and inaccurate accounts reporting in my credit report. I am a victim of identity theft and did not authorize the charges. I have provided proof of identification, Proof of address ( Utility Bill ) and my social alone with the inaccurate names and accounts that needs to be removed. 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. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.

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 2024-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inquiries in my credit report that have not been authorized, nor do they have my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX  and XXXX XXXX  EST. Dont send any mail whether its USPS XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-03 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: CA

Complaint narrative:
I paid the account off as of XX/XX/year> and the closed the account as if XX/XX/XXXX. I then received an alert that my account was 30 day delinquent from the credit bureau. I called XXXX and they sent me a letter confirming closure of the account as of XX/XX/year> but that the credit update was correct however the 60 day delinquent was removed for XX/XX/year>. Then XX/XX/year> I received another alert again I called and they assured me the information was correct but my credit report again was cleared as the account was closed. The 30 day delinquent showed for XXXX only then it was showing closed and in good standing closed. Now XX/XX/year> I received another alert again reporting that the account is 60 days delinquent for XXXX. XXXX shows 30 days delinquent, XXXX and XX/XX/year> show in good standing but XX/XX/year> has a 60 day delinquent and they are attesting the information is correct although I have a letter showing the account has been closed effective XX/XX/year>. This is dramatically affecting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid the account off as of XX/XX/year> and the closed the account as if XX/XX/XXXX. I then received an alert that my account was 30 day delinquent from the credit bureau. I called XXXX and they sent me a letter confirming closure of the account as of XX/XX/year> but that the credit update was correct however the 60 day delinquent was removed for XX/XX/year>. Then XX/XX/year> I received another alert again I called and they assured me the information was correct but my credit report again was cleared as the account was closed. The 30 day delinquent showed for XXXX only then it was showing closed and in good standing closed. Now XX/XX/year> I received another alert again reporting that the account is 60 days delinquent for XXXX. XXXX shows 30 days delinquent, XXXX and XX/XX/year> show in good standing but XX/XX/year> has a 60 day delinquent and they are attesting the information is correct although I have a letter showing the account has been closed effective XX/XX/year>. This is dramatically affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I paid the account off as of XX/XX/year> and the closed the account as if XX/XX/XXXX. I then received an alert that my account was 30 day delinquent from the credit bureau. I called XXXX and they sent me a letter confirming closure of the account as of XX/XX/year> but that the credit update was correct however the 60 day delinquent was removed for XX/XX/year>. Then XX/XX/year> I received another alert again I called and they assured me the information was correct but my credit report again was cleared as the account was closed. The 30 day delinquent showed for XXXX only then it was showing closed and in good standing closed. Now XX/XX/year> I received another alert again reporting that the account is 60 days delinquent for XXXX. XXXX shows 30 days delinquent, XXXX and XX/XX/year> show in good standing but XX/XX/year> has a 60 day delinquent and they are attesting the information is correct although I have a letter showing the account has been closed effective XX/XX/year>. This is dramatically affecting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Account Information for XXXX XXXX XXXX ( # XXXX ) Dear TransUnion, I am writing to dispute inaccurate information on my credit report, which I accessed on XX/XX/XXXX. The following account details under XXXX XXXX  appear to contain errors that must be corrected immediately : Original Creditor : Incorrectly lists XXXX XXXX. 
Balance : Displays {$1300.00} as of XX/XX/XXXX, despite being listed as paid off in the same report. 
Status : Missing clarity about the status of the account, as it reflects conflicting data ( Paid Off and still showing a balance ). 
Payment History : No payment history provided, which makes it impossible to verify reported data accuracy. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which requires information reported on credit reports to be accurate, verifiable, and complete. Please investigate and address the following : 1. Confirm the original creditor and clarify whether the account was transferred or sold.

2. Correct the balance to reflect the true status if it is indeed Paid Off.

3. Verify or provide complete payment history for the 24 months referenced.

Enclosed, I have included supporting documents : A copy of my credit report highlighting the errors. 
Any relevant account statements that substantiate my dispute. 

I kindly request that you resolve this dispute within the legally required 30 days and notify me of the outcome. If the disputed information is found to be inaccurate, I ask that you promptly update my credit report and provide me with an updated copy. 

If you need additional information from me to complete your investigation, please contact me at the information listed above. 

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
Experian please remove the inaccurate late payments for the accounts listed below. You are in violation of USC 15 1666 B. This is another attemp for experian to correct two accounts with inaccurate late payments please update to pays as agrees paid as agreed. I have filed a complaint with the XXXX XXXX XXXX and will be forwarding to the attorney general of state thank you..

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 2024-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> Re : Credit Card Fraud Report - Unauthorized Airport Transaction Dear Sir/Madam, I am writing to report fraudulent activity on my Capital One credit card. I have identified an unauthorized transaction that requires investigation : Transaction Details : Merchant : XXXX  Amount : {$1300.00} USD Date : XX/XX/year> I have substantial evidence suggesting my credit card information was compromised during a dining experience at XXXX XXXX XXXX where my card was taken to a back office due to an allegedly malfunctioning card reader. This was the only instance where my card left my possession. Despite having notifications enabled for all transactions, I did not receive any alert for this unauthorized charge. 

The transaction is labeled as lodging ; however, I can definitively prove that my legitimate lodging was at the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/year>. Capital One has not provided the merchants contact information or account details where the funds were transferred. 

To support my case, I am providing the following documentation that establishes my legitimate transactions and whereabouts during this period : Car rental receipt XXXX XXXXXXXX baggage fee receipt XXXX XXXX lunch receipt ( where the card was taken to the back office ) XXXXXXXX XXXX XXXX receipt and credit card statement Despite providing this documentation to Capital One, my dispute has been denied. I am requesting a formal police investigation into this matter, as I believe this may be part of a credit card skimming operation. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency ( OCC ). 
Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Please advise on any additional information or documentation required to proceed with this investigation. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE UNAUTHORIZED INQUIRIES IS A VIOLATION OF 15 US CODE 1681b PERMISSIBLE PURPOSE

Company response to consumer: Closed with non-monetary relief