vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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:
To whom it may concern, upon reviewing my Credit Report I noticed several inaccuracies .Many 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

. The status is incorrect for the following account XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that all information is accurate. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate Identity ThefXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXXXXXX XXXX XXXXccount XXXX : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following information that appears in my Chex System consumer report. I have NEVER opened or used the following account number : Bank : XXXX XXXX XXXXXXXX ( Open Date XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Chex System Consumer report immediately. Ive attached a copy of the report of the report to this request. 

Thank you for your assistance Sincerely, 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 2024-11-30 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: VA

Complaint narrative:
I disagree with the reporting of the account listed below which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, Please proivde me with the names and business addressess of each individual whom you verified and validated the above information, so that I may follow up accordingly. Additionally, please send me an update copy of credit report after completing your investigation. 

Account Name : 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 2024-11-30 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: NV

Complaint narrative:
I submitted a dispute with Equifax for XXXX XXXX which was paid because they garnished my check. The Equifax dispute came back with they would delete it. But they did not delete it. When I called them they wanted to start the dispute over instead of honoring what they said they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: UT

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-30 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: UT

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-30 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: MI

Complaint narrative:
As i was reading my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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. These accounts XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 non-monetary relief
Consumer complaint received 2024-11-30 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: MI

Complaint narrative:
As i was reading my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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. These accounts XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 explanation
Consumer complaint received 2024-11-30 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: MI

Complaint narrative:
As i was reading my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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. These accounts XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 2024-11-30 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: FL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX is reporting that an account was charged off /delinquent, when in actuality the account was charged off in XXXX. This has resulted in a significant decrease in my credit score.

JPMCB has reported a charged off account as charged off each month from XXXX XXXXXXXX XXXX XXXXXXXX. 

XXXX XXXX has reported an account as charged off each month from XXXX XXXX XX/XX/XXXX each month.

I believe this is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit reporting Act. This is both misleading and inaccurate. A charge-off is a one-time occurrence, and reporting it as recurring violates FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX is reporting that an account was charged off /delinquent, when in actuality the account was charged off in XXXX. This has resulted in a significant decrease in my credit score. 

XXXX has reported a charged off account as charged off each month from XXXX XXXXXXXX XXXX  XXXX. 

Capital One has reported an account as charged off each month from XXXX XXXX XX/XX/XXXX each month. 

I believe this is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit reporting Act. This is both misleading and inaccurate. A charge-off is a one-time occurrence, and reporting it as recurring violates FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am a XXXX veteran that was exploited by XXXX XXXX XXXX in XXXX California. We went to get a vehicle and was given a contract with predatory marketing, and we were uniformed of what was happening and the total purchase price was hidden. The vehicle we purchased was a XXXX XXXX XXXX, we put XXXX down as a deposit on a XXXX truck and the contract the representative for XXXX  had us sign a contract which he concealed the total purchase price which was XXXX. We would have never signed the contract if we knew this was the case. The relationship between XXXX and American Credit Acceptance resulted an auto loan which takes advantage of consumers. We contacted the finance company American Credit Acceptance with concerns about negative credit reporting ; this company is reporting increases to the principal balance of the loan to the credit bureaus, even though we have never missed a payment, and they informed us out of {$1200.00} a month only XXXX dollars or so is actually going to principal. This practice has made our credit scores drop. Thank you for your help and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have been a customer of Blockchain.com for years and have never had any problems. On XX/XX/year>, I received an email where I was not sure whether it really came from Blockchain.com or was a phishing attempt. I reported this to support, who told me that this was a phishing attempt. I then received a request to change my password and similar. I was also advised not to use the wallet any further. I followed the instructions, but since then my account seems to have been blocked. Three withdrawals I made have not been processed since then ( XXXX, XXXX XXXX XXXXXXXX ). I have contacted support over 10 times since then, but each time they just tell me that the responsible department has already been informed and will get back to me. I should be patient. Now, after almost a year and three months, I still have not received any further support. 

Pending transaction ids : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Dear Equifax Team, I am writing to formally dispute the accuracy of certain information in my consumer file, as provided under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

The details of the disputed information are as follows : XXXX XXXXXXXX XXXX XXXX  I noticed my credit reports are reflecting inaccurate information. One report date of the last activity is missing, this fact is considered inaccurate information that has been reported like this for over 3 years. This account needs to be deleted from my credit report effective immediately.

I request a free reinvestigation of this information, as required by law. I believe this information is inaccurate for the following reasons : Date of last activity should be the same. Stop sending stall letters stating you can't locate a credit file, and that the information is erroneous.

As mandated, I expect the reinvestigation to be completed within the 30-day period from the date you receive this letter. If the disputed information is found to be inaccurate, I request that it be deleted from my file, and that I receive a corrected copy of my credit report reflecting these changes.

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CITIBANK, N.A.
State: MI

Complaint narrative:
As i was reading my credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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. These accounts ,XXXX CITICARDS CBNA are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 non-monetary relief
Consumer complaint received 2024-11-30 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: GA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report. I do not recognize the listed accounts or their current status as reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies are required to ensure that the information provided to them is accurate and complete.

The accounts I dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$750.00} XXXX XXXX Account Number : XXXX Balance : {$3700.00} XXXX XXXX  Account Number : XXXX Balance : {$1000.00} I hereby state that I do not recognize any of these accounts or the amounts reported as being owed. I have never opened these accounts, nor do I acknowledge any liability for these charges. These accounts may be the result of identity theft or clerical errors.

Furthermore, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I request that you provide proper verification of these debts, including the name of the creditor and the detailed history of the alleged debts. I reserve my right to dispute these debts further should proper validation not be provided.

Please investigate these matters and, in accordance with the FCRA, remove or correct any inaccurate, incomplete, or unverifiable information on my credit report. I request that you provide me with the results of your investigation, as well as a copy of the corrected credit report upon completion.

If any of these accounts were reported in error, I also request that you remove the negative entries and notify me in writing of the actions taken. If verification can not be provided, I expect these items to be permanently deleted from my credit report in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the dispute resolution.

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 2024-11-30 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: GA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report. I do not recognize the listed accounts or their current status as reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies are required to ensure that the information provided to them is accurate and complete.

The accounts I dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$750.00} XXXX XXXXXXXX Account Number : XXXX Balance : {$3700.00} XXXX XXXX  Account Number : XXXX Balance : {$1000.00} I hereby state that I do not recognize any of these accounts or the amounts reported as being owed. I have never opened these accounts, nor do I acknowledge any liability for these charges. These accounts may be the result of identity theft or clerical errors.

Furthermore, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I request that you provide proper verification of these debts, including the name of the creditor and the detailed history of the alleged debts. I reserve my right to dispute these debts further should proper validation not be provided.

Please investigate these matters and, in accordance with the FCRA, remove or correct any inaccurate, incomplete, or unverifiable information on my credit report. I request that you provide me with the results of your investigation, as well as a copy of the corrected credit report upon completion.

If any of these accounts were reported in error, I also request that you remove the negative entries and notify me in writing of the actions taken. If verification can not be provided, I expect these items to be permanently deleted from my credit report in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the dispute resolution.

Company response to consumer: Closed with explanation