vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: AZ

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The company is Experian. I need to unfreeze my account. I am not able to speak to a live person. They claim that I would have received a pin # when I froze the account but I do not have a pin #. And on the reviews for Experian they keep changing their phone number so that they can't be contacted and speak to a live person.

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 2024-12-04 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-04 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was notified by someone at Capital One on XX/XX/year> that my initial wire transfer of {$30000.00} sent to XXXX XXXX XXXX was declined by the receiving bank ( XXXX XXXX  ). I was told that this money is mine, but there havent been any updates by Capital One on what the status is on this matter. Additionally on XX/XX/year>, {$1400.00} was withdrawn from the account and I was told was supposed to be deposited to my XXXX XXXX account, but XXXX XXXX never received any money. Ive been told constantly that its still under investigation, but Im quite simply on the brink of insolvency and I was really counting on my money being returned to me in a timely fashion so that I could try and rebuild my financial future after having lost so much through the housing scam and recovery scam debacle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Subject : Request for Immediate Correction of Inaccurate Late Payment Reporting Dear XXXX XXXX XXXX XXXX Department, I am writing to formally dispute the inaccurate reporting of late payments on my auto loan account. All payments have been made on time, yet my credit report reflects negative marks, which is both incorrect and damaging to my creditworthiness. 

Additionally, I received notice that your system experienced errors, which may have prevented my timely payments from being properly applied. Given this information, I request that you provide concrete proof of any alleged late payments and confirm that this discrepancy is not due to a system error on your part. 

I demand an immediate investigation into this matter and a correction of my payment history to reflect a current and accurate status. Please notify me promptly when this issue has been resolved. 

Thank you for your prompt attention to this matter. 
ALL OF MY 2024 payments were received on time!! Update this immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the information listed on my credit report regarding the account associated with XXXX XXXX XXXX XXXX ( XXXX ). After thorough review and consultation, I have determined that the reported information is incorrect, fraudulent, and in direct violation of federal statutes. 

Pursuant to the Internal Revenue Code ( IRC ) 6050P, creditors who discharge {$600.00} or more of debt are required to file a Form 1099-C with the IRS and provide a copy to the debtor. To date, I have not received a Form 1099-C for this account. This failure to comply indicates that XXXX claimed a tax benefit without fulfilling their legal obligation to notify me, which constitutes fraudulent and deceptive behavior. 

Furthermore, this omission violates the Fair Credit Reporting Act ( FCRA ) by allowing inaccurate and incomplete information to remain on my credit report. Reporting such false information to the IRS is a severe offense and exposes the reporting party to significant penalties. 

In addition to fraudulent reporting, the attached documents demonstrate a clear violation of the postal rule on the part of XXXX, further compounding their unlawful actions. Such negligence and failure to adhere to statutory requirements subject XXXX to liability for statutory damages under federal law. 

Unless this matter is promptly resolved by removing the inaccurate and fraudulent information from my credit report, I will pursue all legal remedies available to me. This includes filing a lawsuit for fraud and seeking statutory damages as allowed under federal law. 

I request that the inaccurate information be immediately corrected or removed. Please conduct a full investigation and provide me with the results of your findings. Enclosed are copies of supporting documentation, including evidence of XXXX  postal rule violation and related account records. 

I expect a written response to this dispute within the timeframe required by law, as specified in the FCRA. Failure to comply with this request will leave me no choice but to escalate this matter through legal and regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-04 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: FL

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I do not recognize this XXXX XXXX XXXX XXXX account nor did I give them written instruction to furnish anything on my consumer report. This is a fraudulent account that does not belong to me. I do not have any legal binding contract with this company that states I owe them any debt. 

In addition, your company furnished this account on my consumer report without my written permission as stated by federal law that is illegal to do so. The creditors listed above used my identity without my consent which violated my consumer right, my rights to privacy, and have stolen my identity.

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 2024-12-04 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: CA

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which is leading to the appearance of unfamiliar and inaccurate accounts under my name. This has been incredibly concerning, as these accounts are not mine, and they don't reflect my financial activity. The errors in my personal information seem to be the root cause of this issue, making it even more urgent to address. These inaccuracies are not only misleading but could potentially harm my financial standing if left unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
This is a completely new complaint not previously mentioned or reported. 

XXXX, XXXX, and TRANSUNION are reporting the account of XXXX XXXXXXXX XXXX XXXX XXXXXXXX as being charged off for 10 consecutive months starting in XX/XX/2023. 

This account was charged off XXXX time. It was not charged off repeatedly for 10 months. This is a misrepresentation of the account information, and is completely inaccurate and incorrect. 

TRANSUNION, XXXX, and XXXX are refusing to remove the inaccurate information on this report. 

I have attached the reports that reflect these errors.

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 2024-12-04 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: CA

Complaint narrative:
This is a completely new complaint not previously mentioned or reported. 

XXXX, EXPERIAN, and XXXX are reporting the account of XXXX XXXX XXXX XXXX XXXX as being charged off for 10 consecutive months starting in XX/XX/year>. 

This account was charged off 1 time. It was not charged off repeatedly for 10 months. This is a misrepresentation of the account information, and is completely inaccurate and incorrect. 

XXXX, EXPERIAN, and XXXX are refusing to remove the inaccurate information on this report. 

I have attached the reports that reflect these errors.

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 2024-12-04 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint to address an unresolved issue with Experian regarding a fraudulent account listed on my credit report. The account in question, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), does not belong to me. I did not authorize or provide authorization, nor did I provide written consent for it to appear on my credit report. This account is the result of identity theft, and to substantiate my claim, I have provided a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), a copy of my dispute letter with the fraudulent account, and proof of my identity, and address including supporting documents. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Experian is required to block the fraudulent account within four business days of receiving my Identity Theft Report, verifying my identity and to notify the furnisher of the fraudulent account of the block. However, Experian has failed to take these necessary steps to remove this fraudulent account from my credit report, resulting in ongoing harm to my creditworthiness.

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 2024-12-04 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-12-04 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Key Issue : Eastern Account Systems is mishandling my account and is in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : The account is currently only being reported to XXXX, which raises concerns about its accuracy and completeness. I demand verifiable proof to validate this account as required by the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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