vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-09-19 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : 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 2024-09-19 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'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC is holding my money. I made a wire transfer of XXXX XXXX  for my child 's tuition. And now they won't release the funds. They won't tell me why or when.. My child will be dropped from college soon. The reps just tell me the same thing. I am just to wait, a supervisor will get back to you, its been approved, it will take a few days, this can take up to 30, 60, 90 days. Someone will.get back to you. We will send you an e-mail. I am very frustrated and angry that they are treating me like a criminal. Not cool. 
I made this transaction XX/XX/XXXX. Since then they have not given me any answers as to what they are looking for, why they stopped this transaction, etc. 
I told them to.close my account and send my back my funds. Again they say it will take 90 days to close my account.????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

Complaint narrative:
These late payments do not align with my typical payment history.

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 2024-09-19 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX. XXXX XXXX Date of charge-off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies must ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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 2024-09-19 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: MD

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: UT

Complaint narrative:
I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims you are unable to verify my identity due to the information. You have requested a copy of my social security card and a type of identification to confirm my address. I have attached them below along with the letter I received from Equifax and request immediate block of the accounts listed. The fraudulent information includes the XXXX account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX account with an amount of {$6800.00}. Additionally, a second XXXX XXXX account under account number XXXX with an amount of {$10000.00} is also fraudulent. 

The Credit bureaus are attempting to stall investigation by sending stall letters that have no merit. There is a decent paper trail I will be filing with the state attorneys office for all damages soon as this issue is unable to get resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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:
I'm submitting a personal complaint about late payments on my credit record. After examining my records, I've discovered these late payment entries. I sent letters about this issue more than a month ago, but haven't received any response or adequate validation. I'm now requesting your help to resolve this matter quickly and effectively.

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 2024-09-19 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: MD

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-09-19 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: MD

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-09-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Adding on to other complaint # XXXX When i signed up for Equifax online , I was able to enter with password I set up. However, when I tried to use the moble app, it would keep saying login and/or password is incorrect. I used the same logon and password for my online account. 

No I can't even log into my Equifax online account since I filed previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my recent credit report, I identified multiple fraudulent accounts that appear to have been added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year> I put XXXX cash into my account because I was going to pay my rent. Later that day I paid for my service dog paperwork for his class and XXXX XXXX  myself money so I could use the rest when I get home. While I was on the train I lost my wallet and phone. So the next morning I went down to the train station and asked them if they had anybody drop off a phone and wallet. They told me no and to wait a couple days for it to turn up because a lot of people turn around and turn items in. So I waited a week and the train station said they didnt receive any call or anybody walking in to turn items in. So I went to the bank and told them what happened and they told me to wait until my transactions posted to file a fraud claim. So I waited until that happened and then I called them on the XXXX of XXXX to file my claim. Then I waited until today to call about my updated information. Chase bank told me it was denied and I need to provide documentation. So when I asked what kind they did not specify and not being fully cooperative with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, michigan, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( Equifax, XXXX, and XXXX ) : SXXXX XXXX XXXX  **Account Number** : XXXX **Discrepancy** : The status of this Account on XXXX says and paid closed. {$530.00} written off. But on Equifax the status of this account says just Charge off then on XXXX the status of this account says payment after charge off/Collection. Then the status update says XX/XX/2024 on XXXX. On Equifax the status Updated says XXXX XXXX  but on XXXX the status update says XX/XX/2024 the balance Update doesnt have a date on XXXX and on Equifax the balance update is XX/XX/2024 but on XXXX the balance Update is XX/XX/2024 and the Address to XXXX XXXX XXXX is different across all 3 Credit bureaus.

This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected.
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue.

I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, michigan, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, Experian, and XXXX ) : Self Financial/Lead Bank **Account Number** : XXXX **Discrepancy** : The status of this Account on Experian says and paid closed. {$530.00} written off. But on XXXX the status of this account says just Charge off then on XXXX the status of this account says payment after charge off/Collection. Then the status update says XX/XX/year> on Experian. On XXXX the status Updated says XXXX 2024 but on XXXX the status update says XX/XX/year> the balance Update doesnt have a date on Experian and on XXXX XXXX balance update is XX/XX/year> but on XXXX XXXX balance Update is XX/XX/year> and the Address to XXXX XXXX XXXX  is different across all 3 Credit bureaus. 
This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected.

In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX portfolio recovery Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} capital XXXX XX/XX/XXXX {$5200.00} XXXX XXXX bank Date Opened XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: CO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NJ

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 studying 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 XXXX out of XXXX 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 response to consumer: Closed with non-monetary relief