vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: IL

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it 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 non-monetary relief
Consumer complaint received 2024-06-07 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Called Citibank MasterCard and told them somebody stole my credit card number and charged a bunch of items up to {$17000.00} in the state of Florida. I live in XXXX California and have actual possession of the physical card. Citibank is researching the 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 monetary relief
Consumer complaint received 2024-06-07 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 am writing to dispute inaccurate information on my Experian credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 USC 1681A ( 2 ) and 15 USC 1681i. These sections of the FCRA protect consumers ' rights to accurate credit reporting and impose obligations on credit reporting agencies to ensure the precision of the information they report.

According to Section 15 USC 1681A ( 2 ) of the FCRA, it is incumbent upon credit reporting agencies to maintain accurate consumer credit information. Furthermore, Section 15 USC 1681i mandates that credit reporting agencies conduct a reasonable investigation into disputed information and promptly correct any inaccuracies.

Upon reviewing my credit report, I discovered several inaccuracies regarding reported late payments. These inaccuracies not only misrepresent my credit history but also violate my rights as a consumer under the FCRA.

In addition, in accordance with the FCRA these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
The following late payments are erroneously listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] I assert that these late payments are inaccurate and unjustified. It is illegal to report any late payments to my consumer report! 

In accordance with Section 15 USC 1681i, transactions should not be included on a consumer report, and I hereby request that you conduct a thorough investigation into these inaccuracies. I expect that you will promptly remove the erroneous late payments from my credit report and provide me with a corrected copy, free of charge. 

Failure to comply with these provisions will leave me with no choice but to pursue further remedies available under the FCRA, including legal action. 

Please acknowledge receipt of this dispute letter and provide information on the steps you are taking to address my concerns. I can be reached at the contact information provided above. 

Thank you for your immediate 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 explanation
Consumer complaint received 2024-06-08 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: OH

Complaint narrative:
Equifax corrected the information on my credit report XX/XX/year> for XXXX XXXX to balance XXXX, which is correct. That raised my FICO score with them up XXXX points. Then on XX/XX/year> they put the incorrect information back on my report. Reporting that I owe {$24.00}, which is false and then made my FICO score negative XXXX points based on the false information they posted on my account. This is getting out of control, that Equifax can just lie on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: MT

Complaint narrative:
there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX  inquiry date XX/XX/XXXX EQUIFAX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX  inquiry date XX/XX/XXXX EQUIFAX XXXX  inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: AL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-07 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:
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 informationisinaccurate.

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 2024-06-07 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: 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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I went on XXXX market and saw that a house was on Rent at XXXX IL I sent a message to XXXX the person that placed the house for rent to request information. 

I went and looked at property and saw pictures of the house with XXXX XXXX at XXXX XXXX XXXX He said that the application fee was XXXX and he ran my credit On XX/XX/XXXX I sent him the XXXX dollars to check my credit by XXXX to XXXX the XXXX is attached to XXXX XXXX XXXX XXXX Contacted me the next day and stated that my credit was good and that to hold the house for rent they needed a deposit of XXXX of XXXX for the deposit On XXXX XXXX XXXX I sent the remainder XXXX of the deposit to XXXX XXXX the attorney XXXX XXXX XXXX at XXXX On XXXX XXXX XXXX I sent the XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX 



XXXX XXXX then claimed that XXXX XXXX XXXX never received the XXXX I resent the XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX When I looked at the XXXX it showed XXXX exclamation Mark that stated paymrnt requieres additional information This is when I started to get worried I reached out to the landlord claiming that he had not received the funds I contacted chase customer service.. and they confirmed that all funds were transfered. Successfully That's when I started to be concerned.. I contacted The Landlord stated thatvhe never received it.. I advised tha I wanted my money back and that I was not going to send any more money... 

Also advised that I was heading to the property I then called XXXX on XXXX XXXX and the XXXX XXXX XXXX office was sent to the property. 

Spoked with XXXX XXXX XXXX and Case was filed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX The looked at the house and was advised that the house was occupied and that it was not for XXXX 

XXXX XXXX XXXX ' XXXX XXXX advised to contact chase and reported as Fraud/scam and that chase will be able to help me I contacted Chase. Customer service I was advised that a diifent department would need to help me but that they were closed. 

However that by me having submitted a plice report the bank will be able to help me However I was declined by Chase dispute department I Contacted XXXX directly at XXXX. And they advised If you use XXXX through your bank or credit union, you should also report the transaction directly to them. You can also contact your bank 's customer support team if you use XXXX through your mobile banking app. 
File a fraud claim : You can file a fraud claim with your financial institution under Regulation E.

Yet Chase refused to assist I was scamed/ frauded XXXX I have filed a report at the XXXX XXXX XXXX XXXX XXXX The Federal Trade Commision Your report has been submitted to the Federal Trade Commission .

Report Number : XXXX And the illinois states attorneys office

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is to follow up the presence of these late open accounts inaccurately reflects my financial history and has the potential to adversely impact my creditworthiness and financial opportunities. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: NC

Complaint narrative:
This is to follow up the presence of these late open accounts inaccurately reflects my financial history and has the potential to adversely impact my creditworthiness and financial opportunities. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
XXXX XXXX and its my first time applying for an apartment. I got my credit report back from the apartment leasing office and its showing I have XXXX affirm accounts which some are already at collections. Ive never used affirm, never had an account with affirm and didnt know what affirm is until now. I wanted to dispute all the negative affirm accounts on my credit report so I dont have bad credit. I have already called XXXX and started the process with them to dispute all this. I called affirm and theyre doing whatever they can to dispute and help this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint No. XXXX Bank of America is claiming there was a debit made to my account & Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not reflect a debit number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It's showing inconsistent delinquent account on my transunion and experian credit report. i went on my account on XX/XX/year> and noticed 4 delinquent account reported by XXXX XXXX XXXX for one in the amount of {$12.00} and the other in the amount of {$13.00} with these accounts XXXX i had already paid these accounts and was Never Late so the delinquencies are inaccurate and not complete and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-06-07 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:
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 non-monetary relief
Consumer complaint received 2024-06-07 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-08 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: DC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation