vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 
The details of the disputed account are as follows : Account Name : XXXX Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most. 
I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness. 
In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry. 
I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed. 
Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I Disputed the payment accuracy of this conns account XXXX that is now closed I requested proof that all these payments were in fact late but looks like they are only re-arranging the late payments between months and updating them which I have proof of this also payments are reporting with different statues across all three bureaus how is that possible? In XXXX on XXXX XXXX XXXX XXXX and XXXX are all XXXX  days late and XXXX marked as XXXX days late the account was closed in feburary how are payments still being reported as " on time '' for the remaining months on a closed account? the " update statues '' states " too new to rate '' this account is closed with XXXX year payment history not possible next thing on experian XXXX and XXXX of XXXX are marked as XXXX days late but XXXX XXXX XXXX are current where XXXX is marked as late which one is it? XXXX again reporting different statues from the other XXXX XXXX XXXX and XXXX are late XX/XX/XXXX is late but is current on the other XXXX I am demanding that this account be removed from my credit report by law all three bureaus have to be reporting the exact same accurate information in addition the payment history/ dates late across the board have numerous innacurate information All 3 bureaus are provided with same reporting information and have failed to report accurate information which is aviolation of FCA after deleting this account please provide me with an updated credit report reflecting the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : Creditor Name.

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by XXXX which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : Creditor Name. 

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by XXXX which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Account Name : XXXXXXXX XXXX  Account Number : XXXX XX/XX/year> Reason : I don't recognize this account

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 2024-11-14 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 am writing to inform you that I have recently become a victim of a data breach that has resulted in identity theft and the unauthorized opening of accounts in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$21000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$31000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX ] XXXX, GA XXXX XX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 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. [ This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-11-14 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00}

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted Equifax on XX/XX/year> and was notified that FTC Report XXXX XXXX was invalid by the mailing department. I have re-submitted another FTC report with complete information including account name, account number, and affidavit of statement with copy of drivers license and social security card to verify identity. I require equifax to block this information from my credit report within 4 business days of receipt from today XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> I apply for a XXXX XXXX job online through a XXXX XXXX link and I put all my personal information on it. On XX/XX/year> I received a offer from XXXX XXXX and he explained what the job was and I fell for it. I didnt know the job was going to be a fraud because I trusted this link from my school page. When I received the ticket on XX/XX/XXXX I used my mobile Bank of America to deposit the check because I was just following intructions from the person that I was going to work it. A couple days later my account was close because of a fraud and I didnt know what happened until now because Bank of America refused to tell me what happen. I never contacted them again. A couple weeks go I was trying to open a Bank of America with XXXX XXXX  and they say I had a restriction on it.the first thing that came in mind was what happen on that XX/XX/year> because only had Bank of America.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Chainlink Services LLC
State: VA

Complaint narrative:
I received a call from my little sisters stating that they were recieving calls from a number that they didn't know and talked to someone name XXXX. XXXX proceeded to tell them where she worked and that she was looking for me about a business matter. This scared my sisters as they are young and I knew I had to take action immediately. As they might not know what is actually going on. 

I have attached screenshots of the calls and some transcript. 
the phone numbers in question are XXXX the next number is XXXX name of lady : XXXX companies she said she worked for : chain link services and handling services This same women stated she was from XXXX different companies when harassing my sisters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed addresses that I do not recognize. Please remove these from my report. 
XXXX XXXX XXXX XXXXXXXX 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 2024-11-14 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: TX

Complaint narrative:
When I reviewed my credit report, I was surprised to see several inquiries from your company that I never authorized. These are now impacting my credit score, and its been really stressful to manage.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I checked my accounts & noticed my XXXX XXXX credit cards were closed. I immediately called Chase customer service & was told that it was due to a Chase employee making a complaint about me & that I would be getting a letter in the mail. 

I remembered an interaction with a Chase employee on XX/XX/year> at my local Chase branch in XXXX  who was unhelpful, rude & condescending. I can not believe Chase would close my accounts before giving me notice & hearing my side of what happened, or that Chase would take such drastic action of closing the accounts of a customer with whom they have had decades of a relationship without any previous issues. 

I contacted Chases Reconsideration Dept. Customer Service in XX/XX/year> & was told that the decision is final. The supervisor at that Dept. would not provide me with a name, title or Dept. to which I could take this matter further. I asked whether I could speak to someone else on Monday, XX/XX/year>, but she said it wouldnt make a difference, that Corporate had made the decision, there was no one higher to take it up with & that the decision is final.

Again, my credit cards were closed without me getting any notice of same & without contacting me for my side of the story. I have been a Chase customer for over 2 decades & can not believe the disrespectful treatment I am receiving as a long standing customer who has many accounts with Chase now & in the past, & has given Chase years of banking business. I have had a great relationship with Chase employees in the past & can name the employees I have built a relationship with over the years As I advised Chase, I would like my accounts reinstated as soon as possible. There may have been a misunderstanding but Chases employee was extremely patronizing & unprofessional. I have had an over 2 decades long relationship with Chase & I am extremely surprised by this unexpected, unwarranted & unprofessional action from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: AL

Complaint narrative:
I only received social security in the amount XXXX a month I explained it took documents in the refinance did not help it was still almost over half of my check I am trying to pay them but the bill is too much now

Company response to consumer: Closed with explanation