vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTENTION EQUIFAX! 
First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Equifax Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRIES! 
XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX

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

Complaint narrative:
I have recently noticed some fraudulent and inaccurate accounts on my consumer report that are affecting my personal life

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XX/XX/24, XX/XX/24, and XX/XX/24. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. 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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to formally dispute inaccurate information on my consumer report, as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), it is imperative that consumer reporting agencies maintain accurate information to ensure fair and reliable credit reporting.pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( E ) ( iii ) The inaccurate information pertains to [ TransUnion stated their information has been verified as Accurate. The document Ive submitted shows the address doesnt support their false finding and According to the Federal Bankruptcy Court House this is called " abusive bankruptcy filing '' how can I file multiple times when chapter XXXX is XXXX  years and XXXX is XXXX  years as well. TransUnion didnt verify these erroneous bankruptcy reports or verified my current address either which Ive sent Transunion have proof of my address which on my credit report. These Bankruptcy arent attached to my current address ]. This information is erroneous and does not accurately reflect my credit history. I have thoroughly reviewed my credit records and can affirm that the information in question is inaccurate.

In accordance with 15 USC 1681s-2, I am requesting that you promptly investigate this matter and correct the inaccurate information on my consumer report. Furthermore, I urge you to comply with 15 USC 1681i ( 5 ) and the Metro2 Reporting Guidelines to ensure the accuracy and integrity of consumer credit information. 
Please find enclosed copies of relevant documents supporting my dispute, including [ list any supporting documents, such as copies of credit reports or correspondence ]. I kindly request that you conduct a thorough investigation into this matter and provide me with a written response detailing the results of your investigation and any actions taken to correct the inaccuracies.

Failure to comply with the FCRA and rectify the inaccurate information on my consumer report may result in legal action. I trust that you will handle this matter with the utmost urgency and professionalism. 15 U.S. Code 1681e /15 U.S. Code 1681n/ 15 U.S. Code 1681o

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To anyone reading this, based on my recent experience with Citi, I strongly advise against this bank unless you are fine with a bank with 0 customer service. I was approved for a Citi credit card on XXXX XXXX, in the notice it was mentioned that the card will be sent to me in 7-10 working days. I reached out to Citi on XX/XX/XXXX, mentioning that my card was not received, and I have 2 requests : 1 ) to expedite the process of reissuing my card 2 ) to provide me with a temporary card so that I can start making purchases using the card. The staff decided to pass me to the fraud department, the fraud department tried sending a text code for verification but the system failed, the staff said they would call me back but I never received a call. I tried calling hotline again multiple times the same day and finally got hold of someone ( XXXX ) who told me they are unable to do anything because it hasn't been 10 business days and told me to wait till tomorrow. On XX/XX/XXXX, I did not receive the card and called the hotline again, in my first call, I was passed to the wrong department and was told to wait on the call for 30 mins to have someone from the correct department to call me. I tried calling again, finally got hold of someone, and was passed around 2 times ( XXXX, then XXXX ) and finally got to someone ( XXXX ) who was supposed to be able to help me, but apparently had the wrong story of what I explained to the first two individuals. The attempt to do the text code verification failed twice. I was almost forced to report stolen card by the staff over the phone and when I made my request ( the 2 items above ), she told me that I need to be charged {$60.00} for expedited delivery. I am in shock and dismay of the service I have received from this large bank which I think definitely does not deserve its customers. In total, I have spent more than 2.5 hours in calls speaking with more than 6 different staff from various teams and voice responses and left without a proper resolution. I sincerely hope that the CFPB can assist and support me in this matter.

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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Please provide the assignment of debt. The date of assignment, when did you send 5 day notice? Provide the certified mail, 5 day notice. You never gave me the opportunity to address it or dispute this. You just put it on my consumer report without notice. If you believe you gave me proper notification, then send the receipt with my name and signature. 

I was unaware of this debt. I never received notice, it just appeared on my consumer report without notice. If you cant provide proof, remove it, immediately!! Please provide proof that you gave me notice. Again, prove you gave proper notification by providing the receipt of certified mail with my signature, certified number, date mailed and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX amount of {$210.00} was reported on my credit XXXX XXXX Pro collect amount of {$2800.00} was reported on my credit on 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting an investigation for my consumer report because after reviewing my credit report I noticed multiple fraudulent accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681 the consumer reporting agency is required to investigate these accounts and remove anything that has not been verified by these creditors. I have never signed any contracts and I did not authorize the use of my non public information. Now I expect a fair and reasonable investigation resulting in the removal of these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I noticed 4 hard inquiries on my credit report ( XXXX XXXX ) that i didnt authorize and i would like them removed and 2 of them are from chase but the inquiries with the dates are ( XXXX XXXX XXXX ) Inquiry date- XX/XX/22 ( XXXX ) inquiry dateXXXX ( Jpmorgan chase card ) Inquiry date- XXXX ( Jpmorgan chase card ) Inquiry date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
JPMCB auto account num XXXX Report XXXX credit bureau XXXX l owe them money .which l have spoken to this fraud dept. .whom agreed information on the file doesn t match .instead of Jpmcb auto chase to stop. reporting to the XXXX whom agrees l don't own .my information doesn't match. That the reason l haven't heard any information to Pay. Cause they aware l l don't owe this company XXXX XXXX XXXX spoke to fraud department whom stated social security num name doesn't match. And. The company never provided bill. To XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of account XXXX  - XXXX on my credit report by the credit bureaus. On XX/XX/2024, I received communication from the credit bureaus stating that the investigation into this account had been concluded, purportedly finding it to be accurately reported. However, upon careful review, it is evident that there are multiple inaccuracies present in the reporting of this account. 

Specifically, the reported date of open, high balance, last activity, last verified, last report, and date of late payment are all incorrect. These inaccuracies call into question the integrity and reliability of the information provided by the credit bureaus. Given the extent of these discrepancies, I firmly believe that grounds exist for the immediate removal of this account from my credit report. 

Furthermore, I wish to bring to your attention a violation of my rights under 15 U.S.C. 1681 Section 604 A. According to this statute, a consumer reporting agency is prohibited from furnishing information about an account without the written consent of the consumer. I have not provided written authorization for the inclusion of account XXXX  - XXXX on my credit report. Thus, the inclusion of this account without my consent constitutes a clear violation of federal law. 

In light of the foregoing, I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I urge you to take immediate action to rectify the inaccuracies in the reporting of account XXXX  - XXXX and to ensure compliance with all relevant laws and regulations. 

Please acknowledge receipt of this complaint and provide me with information regarding the steps being taken to address this issue. I appreciate your attention to this matter and look forward to a prompt resolution.

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 2024-05-05 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of account XXXX  - XXXX on my credit report by the credit bureaus. On XX/XX/2024, I received communication from the credit bureaus stating that the investigation into this account had been concluded, purportedly finding it to be accurately reported. However, upon careful review, it is evident that there are multiple inaccuracies present in the reporting of this account. 

Specifically, the reported date of open, high balance, last activity, last verified, last report, and date of late payment are all incorrect. These inaccuracies call into question the integrity and reliability of the information provided by the credit bureaus. Given the extent of these discrepancies, I firmly believe that grounds exist for the immediate removal of this account from my credit report.

Furthermore, I wish to bring to your attention a violation of my rights under 15 U.S.C. 1681 Section 604 A. According to this statute, a consumer reporting agency is prohibited from furnishing information about an account without the written consent of the consumer. I have not provided written authorization for the inclusion of account XXXX  - XXXX on my credit report. Thus, the inclusion of this account without my consent constitutes a clear violation of federal law. 

In light of the foregoing, I hereby request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. I urge you to take immediate action to rectify the inaccuracies in the reporting of account XXXX  - XXXX and to ensure compliance with all relevant laws and regulations. 

Please acknowledge receipt of this complaint and provide me with information regarding the steps being taken to address this issue. I appreciate your attention to this matter and look forward to a prompt resolution.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently did another investigation my credit reports and found several items to be inaccurate and not properly investigated by the credit bureaus. They claim letters are sent by credit repair companies and refuse to report accurate information.

Under 15 U.S. Code 1681e ( 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.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove & correct the following from my credit reports : XXXX XXXX XXXX XXXX XXXX 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 2024-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: PA

Complaint narrative:
I would like to first inform the CFPB & Credit Control LLC I am the properly authorized consumer, and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me. Please see attached letter

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed a fraudulent account on my credit reports. I do not recognize this account, nor did I authorize this account. Please remove this fraudulent account from my credit report, it is hurting my credit score and making it hard for me to obtain credit. The fraudulent account is XXXX XXXX XXXX  with the account number XXXX with the balance of {$73.00} reporting.

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

Complaint narrative:
I am deeply dismayed and frustrated to discover that my identity has been compromised, rendering me a victim of fraudulent activity. Regrettably, I am entirely unfamiliar with the entities associated with the accounts in question, as I have never engaged in any transactions with them. I wish to assert that I have not provided explicit, written consent for any third-party consumer reporting agency to furnish data pertaining to the following accounts. It is imperative to recognize that my privacy rights have been infringed upon, and any unauthorized disclosure constitutes a breach of my security and could potentially lead to identity theft.

I hereby demand the immediate removal of this fraudulent data from my records. In accordance with 15 USC 1681-c-2, I expect this action to be completed within four business days to mitigate any further legal consequences. Your prompt compliance with this request is greatly appreciated.

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