vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to urgently bring to your attention a deeply troubling issue regarding the accuracy and consistency of information within my credit reports, which has severe ramifications on my financial standing and future opportunities. 

Upon reviewing my credit reports from all three major credit bureaus, I have discovered numerous instances where closed accounts are incorrectly reported as active or open. This egregious error not only misrepresents my financial history but also creates a false impression of my credit utilization and risk to potential lenders. 

What exacerbates this issue is the alarming lack of consistency among the credit bureaus. Each report presents different information, further complicating the matter and casting doubt on the reliability of the entire credit reporting system. As a result, I am left in a state of uncertainty regarding the true state of my creditworthiness and unable to make informed financial decisions. 

Furthermore, despite submitting disputes regarding these inaccuracies since XX/XX/year>, I have received no acknowledgment or resolution from any of the credit bureaus. This lack of responsiveness is unacceptable and only adds to the frustration and distress caused by this situation. 

It is imperative that the Consumer Financial Protection Bureau intervene immediately to address these issues and ensure that my credit reports accurately reflect my financial history. I urge you to conduct a thorough investigation into the reporting practices of the credit bureaus and take decisive action to rectify the inaccuracies in my credit reports. 

Additionally, I request that measures be implemented to enhance oversight and accountability within the credit reporting industry to prevent such egregious errors from occurring in the future. Every consumer deserves fair and accurate reporting of their credit information, and it is incumbent upon regulatory bodies like yours to uphold this fundamental right. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to resolve these issues and restore integrity to the credit reporting system.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please eliminate these inquiries. I have no knowledge of them, and the company acted without my consent.

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 2024-05-15 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: IL

Complaint narrative:
According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-05-15 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX CO XX/XX/year>

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 2024-05-15 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: Experian Information Solutions Inc.
State: MS

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, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM EXPERIAN.

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 2024-05-15 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
The account is from XXXX XXXX XXXX on behalf of XXXX in the amount of {$890.00}. I have no knowledge of either of these companies, nor was I contacted or notified of any such charges. All of my personal accounts are in good standing. I would never allow anything to go into collections. Upon my own research, there have been numerous instances of this same exact thing happening to other people. I have attempted to contact this company without success, the number given was provided after speaking with both XXXX and XXXX. I need this removed from my credit report immediately because it's hindering me from obtaining my financial aid for medical school. This is URGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
According to FCRA 605B, we must delete any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MO

Complaint narrative:
New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/year> I contacted XXXX Bank ( Card holder for the XXXX XXXX ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases. 
This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/year> when my score was still XXXX. As of XX/XX/year> it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.

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 2024-05-15 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: MO

Complaint narrative:
New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/year> I contacted XXXX Bank ( Card holder for the XXXX XXXX ) before XX/XX/year>, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/year>. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases. 
This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/year> when my score was still XXXX. As of XX/XX/year> it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MO

Complaint narrative:
New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/2024 I contacted XXXX Bank ( Card holder for the XXXX XXXX ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases. 
This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/2024 when my score was still XXXX. As of XX/XX/2024 it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.

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 2024-05-15 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: VA

Complaint narrative:
XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX, XXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX  accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX, XXXX : XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # 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 2024-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/year> Capital One Auto Finance reported my car as a charge off which is incorrect, the account is paid off. 

XX/XX/year> Capital One reported a closed paid charged off account. 

XX/XX/year> XXXX XXXX Bank reported pay off late and kept reporting negative items for 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$450.00}

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 2024-05-15 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous entry on my credit file.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I opened an account with this banking institution XXXX 2021 since opening the account the bank continually charged me fees ( Maintenance, Paper Statement ) even though the account was frozen! Also I had no access to my online account during the duration leading me unable to change any of the assessed fees! I reached out to customer services and they told me the fee could be refunded! When I recently called they informed me that since the account was closed they could not issue any refunds! this is totally ridiculous and unacceptable the bank basically robbed me of approximately XXXX $ in fraudulent fees and took advantage because I had no access to the account until as of recent!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX We were misled regarding the information of the XXXX. They promised that we would have true ownership of our time with a deed. This is not true as this is a membership not ownership. All paperwork states that we are owners and labeled on our credit report as a XXXX. Also, they agreed not to pull my wifes credit or add her to the deal and they did the opposite. In addition, XXXX XXXX no longer exists as they were acquired by XXXX. They then tried to convince us to sign over to XXXX knowing that they are in the process of dissolving XXXX XXXX which automatically relinquish me and my wife from any previous contract with XXXX XXXX. We did in fact let them know we were no longer interested in the timeshare as we addressed the issues we mentioned previously. Now they are falsely reporting on our credit report just to ruin our credit in retaliation as they know XXXXXXXX XXXX is soon to be completely dissolved. 

There are multiple complaints from their members for the issues mentioned as well as other deceptive practices being performed by XXXX XXXX. 

We are requesting an investigation into the XXXX  companys practices, enforcement actions against the company, and other remedies to address deceptive practices.

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 2024-05-15 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: DISCOVER BANK
State: TX

Complaint narrative:
I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed Discover has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form 1099C must be issued to the consumer.

I recently contacted And spoke to a representative and was informed that this account was sold to a collection company.

This account has been Discharged by DISCOVERBANK__ and I need to file the 1099c form with the IRS as income.

An account can not be a charge-off and a collection at the same time.

DISCOVERBANK has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . 
DISCOVERBANK as a furnisher of information, is prohibited by law from reporting inaccurate information. 
The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.

Company response to consumer: Closed with explanation