vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: IN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-02 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: TX

Complaint narrative:
Account paid in full never updated on credit reports

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2024 To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On or about XX/XX/year> i notified Experian that there were some things on my credit report that I did not recognize. I sent them instructions to block and delete the accounts due to the Data Breach ( 15 USC 1681c-2 ( a ) which were in accordance with the Fair Credit Reporting Act.

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 2025-01-02 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:
Im beyond frustrated that this is still going on. These accounts in pending litigation should never have been reported on my credit in the first place. Ive contacted you repeatedly, and despite my efforts, theres been no action taken to fix the issue.

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 2025-01-02 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:
I woke up this morning to find unauthorized inquiries on my credit report, and Im completely confused as to why they are there. Ive been checking my credit report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser to rule out a glitch, but the inquiries remained. I need you to immediately verify the documents I've submitted so I can be sure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2024, someone tried to open a credit card in my name through Capital One and XXXX XXXX. I contacted all credit bureau places- XXXX, XXXX and XXXX and reported the issue. I also put a freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
I am writing to formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful. Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. XXXX XXXX XXXX XXXX XXXX XXXX Filed Date XXXX Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX TransUnion : 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 2025-01-02 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: TX

Complaint narrative:
Dear Equifax Customer Service, I am writing to formally dispute an inaccurate entry in my credit report. My name is XXXX XXXX XXXX XXXX, and my Social Security number is XXXX. I have recently obtained a copy of my credit report and noticed an account that I believe is incorrect. 


The account in question is as follows : - Account Name : XXXX XXXX - Account Number : N/A - Reported Balance : {$9200.00} - Date Opened : XX/XX/year> I believe this account is inaccurate because this isnt my account. Ive never applied, enrolled, attended, or heard of XXXX XXXX until checking my credit report. This reason alone violates multiple sections in the Fair Credit Reporting Act 15 USC 1681 : Section 607 - Accuracy of Reports : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. This includes verifying the information before it is included in a consumer 's credit report. 


Section 615 - Notice of Negative Information : If negative information is reported about a consumer, the reporting agency must notify the consumer within a reasonable time frame, providing them the opportunity to address any inaccuracies.

Section 623 - Responsibilities of Furnishers of Information : Entities that provide information to consumer reporting agencies ( like creditors ) must ensure that the information they provide is accurate. If they are notified of a dispute, they are required to investigate and correct any inaccuracies. 


I have attached a screenshot ( XXXX ) of what is appearing on my credit to support my claim. 


According to the Fair Credit Reporting Act 15 USC 1681 section 611, I am requesting that you investigate this matter and remove or correct the inaccurate information. Within the next 30 days, please provide me with written confirmation of your findings and any actions taken in response to my dispute. 


Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: VA

Complaint narrative:
XXXX attempt- requesting the removal of the attached closed accounts. XXXX XXXX and XXXX XXXX added Remark codes which dropped my score down to about 40pts!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
recently pulled my credit report on or around XXXX XXXX and discovered inaccurate information

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Venmo XXXX XXXX XXXX Credit Card. They have started to charge a paper statement fee of {$1.00} per statement. The only way to access a statement is through the app on the phone. There is no other place to access the statement online, such as a laptop or computer. The credit card statements are not available on XXXX or 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 2025-01-03 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: CT

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there XXXX be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it XXXX impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

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 2025-01-02 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: RI

Complaint narrative:
Hello, I am reaching out to request an investigation into these accounts, as their accuracy on my credit report seems questionable. These accounts had been removed before but were reinstated without my knowledge. I was neither informed of this reinstatement nor received any correspondence about it via mail.

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 2025-01-02 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: VA

Complaint narrative:
I found an unauthorized credit inquiry on my report that I did not approve or request. This inquiry is harming my XXXX XXXX. Despite contacting the creditor to dispute it, they have not shown proof of my consent or removed the inquiry. I am asking for its immediate 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 2025-01-02 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: DE

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 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 2025-01-02 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX 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 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 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt that you claim I owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Date : XX/XX/XXXX To : XXXX, XXXX, XXXX RE : Notice to Correct Credit Report Dear XXXX, XXXX, XXXX XXXX consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
XXXX. Chase. XXXX # XXXX. XXXX XXXX. XXXX 's XXXX. 
XXXX. Bank XXXX XXXX XXXX. Chase. 
XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verity these entries. 
According to this law, failure to re-verify these items within XXXX ( XXXX ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I XXXX follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed writtenconsent.

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