vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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 writing to follow up on my CFPB complaint number XXXX filed XX/XX/2024 in which I requested that you provide a copy of the approved purchase agreement and proof of ownership of the account in question. As of today, you have failed to supply the requested documents, which is a violation of federal and state law. 
Under both the Fair Credit Reporting Act ( FCRA ) and relevant state laws, I have the right to request this information to ensure that the account on my credit report is accurate and legitimate. Your failure to provide the required documentation violates my rights as a consumer. 
I kindly request that you respond promptly to this matter by providing the requested information. Failure to do so will leave me with no choice but to escalate this further with the appropriate legal authorities. 
Thank you for your attention to this important matter. I expect a timely response and resolution. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX Social Security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  WITH A REPORTING BALANCE OF {$0.00} AND A HIGHEST BALANCE OF {$4100.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
I applied for XXXX XXXX XXXX on XX/XX/year> and got denied. This was told to me by the dealership XXXX  manager XXXX XXXX at XXXX XXXX. Regardless of the reasons for being denied, I have the right to credit. Withholding my access to my securities is security fraud. You're violating the " Equal Credit Opportunity Act '' and the " Consumer Credit Protection Act ''. Since you are denying me my credit please retract my application. 

Thank you XXXX XXXX XXXX XXXX  XXXX in fact for the all cap 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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

Company 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 2024-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: AL

Complaint narrative:
Account showed up on my credit report. I am not familiar with the account and asked for a debt validation letter multiple times. One has not been provided. I ask that it be deleted off of my 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 2024-10-23 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive disputed with Trans Union, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$670.00} and {$430.00} being reported on my Trans Union credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, it has been well over 30 days for trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Transunion, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n

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 2024-10-23 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  WITH A REPORTING BALANCE OF {$0.00} AND A HIGHEST BALANCE OF {$4100.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is 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 2024-10-23 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  WITH A REPORTING BALANCE OF {$0.00} AND A HIGHEST BALANCE OF {$4100.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is 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 2024-10-23 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: PA

Complaint narrative:
Experian continues to report inaccurate and unverifiable information on my consumer report. I am demanding that they comply and delete the accounts stated in the attached 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 2024-10-23 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: GA

Complaint narrative:
I am formally disputing the recent update to my credit report on XX/XX/scrub> 2024, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$2300.00}, which exceeds the original credit limit of {$2000.00}. This reporting is both inaccurate and misleading, as it reflects a utilization rate of 117 %, despite the account being charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. 
Furthermore, I request verification that XXXX XXXX is still the legal owner of the debt. If this debt has been transferred or sold, XXXX XXXX should not be reporting it, in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). I also dispute the current payment status, marked as In Collections/Charge-off with a past due amount of {$2300.00}, since this account was closed and charged off on XX/XX/scrub> 2024. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is incomplete, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks stating " Charged off as bad debt ; Dispute resolved, '' as I do not agree with the resolution of my prior dispute. These remarks are misleading and should be removed, as per FCRA 15 U.S.C. 1681s-2. I request a thorough re-investigation of all the account details, including the balance, creditor status, payment status, and remarks. I ask that all inaccuracies be corrected or removed from my credit report. Please provide written confirmation of the results of your investigation and a valid contractual agreement containing my full signature to substantiate this debt.

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 2024-10-23 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 formally disputing the recent update to my credit report on XX/XX/ 2024, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$2300.00}, which exceeds the original credit limit of {$2000.00}. This reporting is both inaccurate and misleading, as it reflects a utilization rate of 117 %, despite the account being charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXXXXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXXXXXX XXXXXXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. 
Furthermore, I request verification that XXXX XXXX is still the legal owner of the debt. If this debt has been transferred or sold, XXXX XXXX should not be reporting it, in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). I also dispute the current payment status, marked as In Collections/Charge-off with a past due amount of {$2300.00}, since this account was closed and charged off on XX/XX/ 2024. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is incomplete, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks stating " Charged off as bad debt ; Dispute resolved, '' as I do not agree with the resolution of my prior dispute. These remarks are misleading and should be removed, as per FCRA 15 U.S.C. 1681s-2. I request a thorough re-investigation of all the account details, including the balance, creditor status, payment status, and remarks. I ask that all inaccuracies be corrected or removed from my credit report. Please provide written confirmation of the results of your investigation and a valid contractual agreement containing my full signature to substantiate this debt.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I cant believe what I saw this morning when I checked my credit reportthere are inaccurate accounts showing up, and I dont understand how or why theyre there. I always check my report, and this is the first time I've encountered something like this. Even after refreshing my browser multiple times, the issue didnt go away. I feel blindsided and frustrated, and Im asking for a detailed review of the documents I've sent so I can have peace of mind.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
There were 3 unauthorized charges to my account on XX/XX/year> for {$100.00}, {$300.00}, and {$1100.00}. I filed a dispute with Chime ( XXXX XXXX  ) but was denied on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Online police report from local sheriffs office along with FTC ( Federal Trade Commission ) Report supporting my Data Breach/Identity Theft Dispute.

The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. 
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 explanation
Consumer complaint received 2024-10-23 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:
Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Experian, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Experian to verify in collection accouunt information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Experian to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.

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 2024-10-23 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of 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 non-monetary relief
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
I am filing this FTC Identity Theft to report 2 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARDS opened at XXXX XXXX {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX {$6100.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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