vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my serious concern and frustration regarding the multiple, unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are negatively affecting my credit profile and financial well-being. 


There are inquiries and inaccurate addresses listed on my credit report that I believe are the result of identity theft or fraud. These items do not belong to me, and their presence is unjustly damaging my credit score. 
I have diligently followed the established procedures for disputing inaccuracies in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

My previous dispute letters and supporting documents have received little to no response, leaving me unsure of the progress or status of my disputes. 
The delay in resolving these fraudulent items has caused significant financial distress and limited my ability to access fair credit and financial opportunities. 

The presence of these fraudulent items continues to damage my credit score, making it difficult for me to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting and am committed to working with your credit bureau to ensure the integrity of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me deeply frustrated and anxious. 

I kindly request that your credit bureau conducts a thorough and immediate investigation into the fraudulent items I have reported and takes swift action to remove them. I also request regular updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my XXXX attempts to rectify these fraudulent items. I am asking for your immediate assistance to remove the fraudulent items in my credit report : XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I contacted the original creditor of the alleged debt for the account NATIONAL CREDIT SYSTEM XXXX and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. National Credit System is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Remove this account from my credit report immediately. FDCPA and FCRA violations have up to {$1000.00} fee per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXXXXXX Account Number : XXXX It's showing that I've had multiple late payments, but the accounts do not match across the reporting agencies and I find this to be very concerning. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements showing these late payments? 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act Credit Acceptance Account # 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number 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 an 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed 4 different disputes. Record available. Each time Experian stated that XXXX XXXX confirmed a balance of almost XXXX. I was told personally by XXXX, there is no balance. I logged onto XXXX and my balance states XXXX balance. I have the screenshotXXXX and XXXX have documented the forgiveness correctly ; however, Experian refuses to do so.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : U S DEPT OF EDXXXX XXXX XXXX : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, account number 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 an 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday, XX/XX/1931 fraudulent transactions to XXXX were made on my Chase checking account in a matter of minutes. The day before I had received a fraud alert from my Chase app for an XXXX charge of {$31.00}. That happens to be the exact amount of my monthly XXXX XXXX subscription, so I just assumed it was that and approved that. But then the next day I had the flood of XXXX transactions totaling nearly {$1200.00}. I called Chase within minutes of the charges and disputed them. Chase told me I'd have the money put back in my account within XXXX hours. XXXX hours passed and nothing happened. On Sunday, I got an email from Chase saying the had completed their investigation and were closing the case and had concluded that the charges were valid. Somehow, they felt XXXX small transactions in a matter of minutes was normal spending behavior. I called on Monday and spoke with a supervisor who said she would try and re-open the case but couldn't promise anything. It's a couple of days later and I've heard nothing from Chase, the case still says closed in my account, and I'm out {$1200.00} and Chase doesn't seem to care. I need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I was making loan payment of my student loan to my federal student loan provider ED Financial everymonth thru my checking account. I had made XXXX payments of {$500.00} on XX/XX/XXXX. The provider has not acknowledged the receipt of these XXXX payments. However my payment on XX/XX/XXXX has been acknowledged as well as payments in previous months. I have included proof of loan payment below. 
XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7200.00} XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 an 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
I received emails from Chime about an account I didnt open and an email that theyd mailed a card I didnt request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Equifax and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 an 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, account number 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 an 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, account number 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX I went into XXXX on XXXX XXXX to get {$250.00} off my card. On a {$10.00} bill came off. It was a cashier was standing right there. I called chime. They file a dispute. A month later I received a email saying that they didn't see a error. 
I spoke to them the other day look at the dates. They just changed the date on the paper.

Company response to consumer: Closed with explanation