vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-11 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: DISCOVER BANK
State: TX

Complaint narrative:
I lost my wallet and I noticed charges in many of my credit cards including Discover Credit Card. I called Discover and explained them the situation. They made a claim in my account, gave me provitional credit and then months after they took back the provitional credit they have given me. 
They sent me a new card number and I do not agree with their investigation because I have to replace all my credit cards and ID that was in my wallet. 

Transaction Date - XX/XX/XXXX  XXXX 's beach for XXXX XXXX XXXX  for XXXX XXXX XXXX for XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally complain about the persistent issues I have encountered while attempting to dispute and correct the late open accounts and also the removal of late closed and charge off on my credit report. I have made numerous attempts to rectify these discrepancies, but unfortunately, the inaccuracies persist across different credit bureaus. 

Despite my repeated efforts to address these issues through the dispute process, I have not seen any significant improvement in the accuracy of my credit report. I believe that the continuous reporting of these inaccuracies is adversely affecting my credit score and financial standing. 

I kindly request a thorough investigation into the discrepancies mentioned above and the immediate correction of the inaccuracies on my credit report. I have attached supporting documentation, including proof of timely payments, account closure, and any relevant correspondence with creditors. 

Furthermore, I request the removal of late closed accounts, and charge-offs that have been inaccurately reported on my credit file. It is imperative that my credit report accurately reflects my financial history and responsibility. 

I understand that credit reporting agencies play a crucial role in maintaining the integrity of individuals ' credit profiles. Therefore, I trust that you will handle this matter with the utmost urgency and diligence. 

Please provide me with a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and the updated version of my credit report. Additionally, I request that you inform me of any further steps I need to take to ensure the prompt resolution of this matter. I am asking for your assistance to correct these late open accounts and remove the late closed and charge off in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Credit inquires on my report i do not recognize, recently checked my credit report and saw Accounts reporting that i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The former issuing bank of my DELL credit card was changed. When reviewing a statement I noticed a charge on my card that I did not make. It was a charge that I recognized but was paid off in the past, under the old issuing bank. I was in shock. Why would this transfer over under the new issuing bank? Are they kidding me. It was a charge approx {$100.00} for a Dell horizon backpack. It was originally purchased in XXXX of XXXX. 
I called the new bank immediately. They put it under dispute but I am still furious over this. How could this even happen? How dare they? It should have been removed immediately. Who's fault was this? Was it the fault of the company? Dell? If it was the new bank shoudl have told me that. I have to wait now as this is under dispute? What about an interest I was charged now on this error. Its just sloppy and unacceptable. They should have credited it immediately, since it never should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: FL

Complaint narrative:
They are running my credit without my permission. I dont know why they are doing this. I have not try to finance anything for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report from your agency and was shocked to discover inaccurate and unauthorized information that is severely impacting my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. 
Upon thorough examination, I have identified the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I categorically deny any XXXX with the aforementioned accounts, and I request an immediate and aggressive investigation into the matter. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the timely correction of inaccuracies on consumer credit reports, and I expect your bureau to adhere to these regulations with utmost urgency. 
I am fully aware of my rights as a consumer, and I am prepared to take further legal action if my concerns are not addressed promptly. Please treat this matter with the utmost urgency to prevent any further damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i needed a loan and just applied for one, unfortunately it was denied from the bank. so i pulled my credit report to see if i could see what the problem was. i noticed a lot of items in my report were not correct, but somehow ended up o my report this doesn't make sense to me as they aren't accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 4. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 5. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

6. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX/XXXX  - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  REMOVE DUE TO INACCURATE REPORTING

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 4. XXXX/XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING XXXX. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

XXXX. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX/XXXX  - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING

Company response to consumer: Closed with non-monetary relief