vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: TX

Complaint narrative:
I am writing to express my continued disagreement with the following accounts, which still appear on my credit report despite your recent investigations. These inaccuracies are causing significant harm to my credit score : - 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 In accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the information for the above accounts, so I may follow up directly. Additionally, please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX - Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2024-08-08 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: MI

Complaint narrative:
XXXX Failure to investigate. XXXX XXXX  clearly has differing information yet Transunion refused to remove account even while 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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company will not let me make payments on the due date. On the day of the due date, they force me to choose the following day, forcing a late fee on me. It is cruel and unnecessary, fraudulent and greedy. Every month I make a payment ON the due date, and I have proof every month when an email comes my way. And CHANGING due dates to the end of the day FOR THE TIME ZONE of the customer. For example, if I am in California, then my due date should be XXXX PACIFIC TIME. MY day is not yet done and I should not be forced to abide by another time zone, and ESPECIALLY XXXX PT when my work day isnt even done yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you for the fifth time to dispute the inaccurate addresses that are currently listed on my credit report. Despite my previous communications dated [ insert dates of previous letters ], these erroneous addresses continue to appear on my credit profile, and no corrective action has been taken. These addresses do not belong to me and have never been associated with my personal or financial history. It is evident that there has been a significant oversight in the verification process conducted by your bureau. The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a blatant disregard for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the information they report. 

I have already provided ample documentation and evidence to support my claim that these addresses are incorrect. Your failure to address and rectify these inaccuracies is unacceptable and demonstrates a lack of diligence in fulfilling your legal obligations under the FCRA. It is imperative that you take immediate action to investigate these discrepancies and remove the erroneous addresses from my credit report. 

I demand that you conduct a thorough and proper investigation into this matter and provide me with a detailed explanation of the steps taken to verify and correct my credit information. It is your responsibility to ensure that all items on my credit report are accurate and verifiable. The continued inaction on your part suggests a serious lapse in your verification procedures. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA, 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 2024-08-08 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: GA

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. 

XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  XXXX bankruptcydischarged Date filed XX/XX/year> has violated my rights. 

15 USC 1681 section 602 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to respect a consumer 's 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. 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.

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 explanation
Consumer complaint received 2024-08-08 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:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$130.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$7300.00} XX/XX/XXXX XXXX  : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$130.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$220.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-08 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: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Reappearing Inquiries on Credit Report I am writing to formally dispute the reappearance of certain inquiries on my credit report. On XX/XX/XXXX, these inquiries were deleted from my report, yet they have reappeared without any prior communication or explanation. 

The specific inquiries that have reappeared are as follows : - **XXXX XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX, XXXX, VA XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX, XXXX, VA XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX XXXX, XXXX, FL XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX XXXX, XXXX, MN XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX XXXX, XXXX XXXX, IA XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX These inquiries were previously removed and their sudden reappearance has caused me concern, especially since I received no communication about this re-reporting. 

I request that you promptly investigate this matter and provide a detailed explanation for the reappearance of these inquiries. Additionally, I ask that these inquiries be permanently removed from my credit report to reflect the correct and updated information. 

Enclosed, please find copies of the documents that support my claim. I appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copies of supporting documents ]

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 2024-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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

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 2024-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I am writing to formally request the removal of duplicate and inaccurate information from my credit report concerning an account listed under two different names. The details of the accounts are as follows : XXXX. Account with REVVI/MRV BANKS/VT** XXXX Account Number** : XXXX XXXX. Account with RESURGENT/LVNV FUNDING** - Account Number** : XXXX It appears that the same account is being reported under two different names, which is leading to confusion and inaccuracies in my credit report. Specifically, the account with REVVI/XXXX XXXX shows a charge-off status with a XXXX balance, while the account with XXXX XXXX  shows the same amount as a collection account. This duplication is misleading and does not accurately reflect the status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ), I am entitled to request that any inaccuracies or incomplete information on my credit report be investigated and corrected. The law requires that the credit reporting agency conduct a reasonable investigation and rectify or remove any erroneous information.

In accordance with the FCRA, I request the following actions : 1. Immediate Removal : Remove the duplicate account entry for XXXX XXXX  from my credit report, as it duplicates the information reported under REVVIXXXX XXXX. 
XXXX. Verification and Correction Ensure that any remaining information concerning this account is accurate and consistent with its final status. 

I am including relevant documentation to support my request. Please review this information and update my credit report accordingly. If further information or documentation is needed, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the duplicate entry has been removed and my credit report corrected as per the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: IL

Complaint narrative:
I am reaching out for your assistance about this incorrect account appearing on my credit report. I have highlighted this issue because it has damaged my reputation, and I require your help. Your poor handling of my credit report left me struggling because your false reporting ruined my reputation. You need to remove these mistakes so I can live comfortably with my family.

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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> I was using a gaming app and someone on the app lied about being a game company they requested I verify my card on online and the person proceeded to still money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX 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 2024-08-08 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: MA

Complaint narrative:
WHILE CONDUCTING SOME RESEARCH INTO MY BACKGROUND FOR MY SECRET CLEARANCE APPLICATION AND ALSO CHECKING INTO POTENTIALLY BUYING A HOME IN THE NEAR FUTURE I LEARNED OF SEVERAL UNAUTHORIZED INQUIRIES AND SOME INQUIRIES THAT WERE WRONGFULLY HARD QUERIES. ATTACHED IS A PDF WITH LISTING I'VE CREATED TO INFORM THE CFPB OF INCIDENTS, DATES AND COMPANIES... 

XX/XX/scrub>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 Not Authorized : soft inquiry was supposed to be conducted .... 

XXXX XXXX XXXX XXXX XXXX XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Not Authorized : soft inquiry was supposed to be conducted : in reference to auto loan .... 

XX/XX/year> XXXX XXXX... 
XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  Not Authorized : soft inquiry was supposed to be conducted ....

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 2024-08-08 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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