vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: HI

Complaint narrative:
Certainly, here 's a template for a dispute statement regarding the incorrect credit card information on your Experian report : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Card Information To Whom It May Concern, I am writing to formally dispute and request correction of inaccurate credit card information on my Experian credit report. The information in question is as follows : - Creditor Name : [ Credit Card Company Name ] - Account Number : [ Account Number ] - Date of Inaccuracy : [ Date ] I have made diligent efforts to rectify this issue, including providing Experian with a statement reflecting the correct information regarding my credit card account. Despite my attempts, Experian has thus far failed to correct the inaccurate reporting. 

I request a thorough investigation into this matter and urge Experian to promptly correct the inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. A copy of my recent statement from [ clearly showing the accurate account details. 
XXXX. Proof of my identity, including a copy of my driver 's license and Social Security card. 
XXXX. Any additional information or evidence that may assist in the resolution of this dispute. 

.

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 2023-09-09 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
I am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : XXXX. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones. 
XXXX Review and rectify the status of charge-offs, removing any inaccuracies. 
Investigate the unauthorized inquiries and remove them from my credit report. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$880.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
I am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones. 
2. Review and rectify the status of charge-offs, removing any inaccuracies. 
Investigate the unauthorized inquiries and remove them from my credit report. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$880.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
I am writing to formally dispute and register a complaint concerning the recent appearance of new late open accounts on my credit report, as well as the reporting of my XXXX XXXX account as charge off account. These issues are adversely affecting my credit profile and merit immediate attention. I have attached a copy of my credit report for your reference. I have identified new late open accounts on my credit report, which I believe are inaccurately reported. Additionally, I would like to address concerns regarding the reporting of my XXXX XXXX account. It is crucial that my credit report accurately reflects my financial history, and I am deeply troubled by these discrepancies. Please investigate the legitimacy and accuracy of these late open accounts, as they do not align with my financial activities. I request that any inaccuracies be corrected promptly. I believe there may be inaccuracies in the reporting of my XXXX XXXX account. It is essential that the information reported accurately reflects my account status and payment history. I kindly request that you initiate a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1.Verify the accuracy and legitimacy of the new late open accounts and rectify any errors. 
2.Review the reporting of my XXXX XXXX account to ensure it aligns with my actual payment history and account status. 
I also request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. These are the following accounts needs to be corrected : XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}.

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 2023-09-09 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:
I am writing to formally dispute and register a complaint regarding several persistent inaccuracies on my credit report, which include incorrect addresses, charge-offs, and numerous inquiries. These issues have adversely affected my creditworthiness and have not been adequately addressed despite my previous disputes. I have attached a copy of my credit report highlighting the disputed entries for your reference. I want to express my frustration and concern regarding these inaccuracies, which have continued to persist on my credit report despite my best efforts to resolve them. These errors are causing significant harm to my credit history and my ability to access financial opportunities. : Please investigate and correct the multiple inaccurate addresses listed on my credit report, as they do not correspond to my residential history. I dispute the legitimacy and accuracy of the reported charge-offs, and I request a thorough review to rectify any errors in this regard. There appear to be numerous inquiries on my credit report that I did not authorize. I would like these unauthorized inquiries removed from my credit report immediately. I kindly request that you initiate a comprehensive investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1. Verify the accuracy of the addresses listed on my credit report and promptly remove any incorrect ones.

2. Review and rectify the status of charge-offs, removing any inaccuracies.

Investigate the unauthorized inquiries and remove them from my credit report.

I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$880.00}.

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 2023-09-09 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: FL

Complaint narrative:
I cant get any new account because on going issue the company I applied at cant identify me under credit bureau they have an old name and old score this affected my life I will be homeless because of this fix this please I have no where to live because I cant be identified there my credit

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 2023-09-09 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Accounts Under America First Were Opened Fradulently without my knowledge. They continuously disregard my disputes and documents filed with the authorities and I want this matter handled immediately. I am now in XXXX because of their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: Self Financial Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX XXXX  Self Inc, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ( n ) account without written instructions.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: CA

Complaint narrative:
XXXX provided transcripts that confirm the inaccuracies XX/XX/23 was a balance of XXXX XXXX Thus XX/XX/23 can not be a balance of XXXX XXXX  as experien has fraudulently documented. 

XXXX also confirmed the balances in the transcript were what they reported to experian but experian shows different numbers. 

Experian Shows a balance of XXXX XXXX for XXXX then an increase of balance in XXXX to XXXX XXXX which is flawed and doesn't make sense. 

Please check the pdf transcript from 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 2023-09-09 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: FL

Complaint narrative:
I am writing to formally dispute and register a complaint concerning the recent appearance of new late open accounts on my credit report, as well as the reporting of my XXXX XXXX account as charge off account. These issues are adversely affecting my credit profile and merit immediate attention. I have attached a copy of my credit report for your reference. I have identified new late open accounts on my credit report, which I believe are inaccurately reported. Additionally, I would like to address concerns regarding the reporting of my XXXX XXXX account. It is crucial that my credit report accurately reflects my financial history, and I am deeply troubled by these discrepancies. Please investigate the legitimacy and accuracy of these late open accounts, as they do not align with my financial activities. I request that any inaccuracies be corrected promptly. I believe there may be inaccuracies in the reporting of my XXXX XXXX account. It is essential that the information reported accurately reflects my account status and payment history. I kindly request that you initiate a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1.Verify the accuracy and legitimacy of the new late open accounts and rectify any errors. 
2.Review the reporting of my XXXX XXXX account to ensure it aligns with my actual payment history and account status. 
I also request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. These are the following accounts needs to be corrected : XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
I am writing to formally dispute and register a complaint concerning the recent appearance of new late open accounts on my credit report, as well as the reporting of my XXXX XXXX account as charge off account. These issues are adversely affecting my credit profile and merit immediate attention. I have attached a copy of my credit report for your reference. I have identified new late open accounts on my credit report, which I believe are inaccurately reported. Additionally, I would like to address concerns regarding the reporting of my XXXX XXXX account. It is crucial that my credit report accurately reflects my financial history, and I am deeply troubled by these discrepancies. Please investigate the legitimacy and accuracy of these late open accounts, as they do not align with my financial activities. I request that any inaccuracies be corrected promptly. I believe there may be inaccuracies in the reporting of my XXXX XXXX account. It is essential that the information reported accurately reflects my account status and payment history. I kindly request that you initiate a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1.Verify the accuracy and legitimacy of the new late open accounts and rectify any errors. 
2.Review the reporting of my XXXX XXXX account to ensure it aligns with my actual payment history and account status. 
I also request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. These are the following accounts needs to be corrected : XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC.
State: NV

Complaint narrative:
After telling Sun loan of my identity theft problems and showing the necessary documentation I was disregarded and not taken seriously. This will be my third attempt to have this account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
There are two fairly new debt collections accounts coming from a company called NCA. One for {$430.00} and one for XXXX XXXX They are unresponsive when I try to reach out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX, CapitalOne, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ( n ) account without written instructions.

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.

Company response to consumer: Closed with explanation