vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing this complaint regarding inaccurate bankruptcy information appearing on my credit report. Specifically, the following XXXX bankruptcy entries are being reported : Date Filed : XX/XX/XXXX Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Case Number : XXXX Date Filed : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX These entries do not belong to me. Both entries are inaccurate and appear to reference the same case, yet they are reported as XXXX separate bankruptcies. This error is negatively impacting my credit score and overall financial standing. 

Previous Disputes : I have disputed this information with the credit bureaus on XXXX prior occasions, most recently in XX/XX/XXXX. Despite providing evidence that these entries do not belong to me, no resolution has been provided. 

Background : As a victim of the XXXX data breach, I am deeply concerned about the integrity of my personal information. Attached is confirmation of my status as a victim of the XXXX data breach to underscore the need for accurate reporting. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting bankruptcies that do not belong to me and listing a duplicate entry are clear violations of this law. 

Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court emphasized the obligation of credit reporting agencies to conduct a reasonable investigation into disputed information. This obligation has not been met despite my prior disputes.

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 2024-12-31 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my Early Warning Services report, which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

Early Warning Services Report XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that XXXX XXXX XXXX conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID - A copy of my Early Warning report - A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: VA

Complaint narrative:
I am writing to dispute an unrecognized account that appears on my credit report. I have no knowledge of this account, nor did I authorize its opening. This unrecognized account is as follows : Creditor : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint regarding inaccurate bankruptcy information appearing on my credit report. Specifically, the following XXXX bankruptcy entries are being reported : Date Filed : 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 These entries do not belong to me. Both entries are inaccurate and appear to reference the same case, yet they are reported as XXXX separate bankruptcies. This error is negatively impacting my credit score and overall financial standing. 

Previous Disputes : I have disputed this information with the credit bureaus on XXXX prior occasions, most recently in XX/XX/XXXX. Despite providing evidence that these entries do not belong to me, no resolution has been provided. 

Background : As a victim of the XXXX data breach, I am deeply concerned about the integrity of my personal information. Attached is confirmation of my status as a victim of the XXXX data breach to underscore the need for accurate reporting. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting bankruptcies that do not belong to me and listing a duplicate entry are clear violations of this law. 

Furthermore, in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  the court emphasized the obligation of credit reporting agencies to conduct a reasonable investigation into disputed information. This obligation has not been met despite my prior disputes.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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  I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 2024-12-31 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my XXXX credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove all fraudulent accounts. Thank You XXXX XX/XX/2024 TRANSUNION XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have XXXX unauthorized hard inquiries on my credit report and i contacted transunion XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally complain about Discover Financial Services for their repeated and unsolicited advertisements sent to me. Despite my lack of interest in their products or services, I have continuously received promotional mail from them, which constitutes an invasion of my privacy and unwanted solicitation. 

Specifically, I have received multiple mailings, including the latest one ( attached here as evidence ), offering a 0 % introductory APR and other promotions. I have never consented to or expressed interest in receiving such communications. 

These unwanted solicitations have caused me inconvenience, annoyance, and distress. I demand that Discover Financial Services immediately cease all forms of communication and advertisements directed at me. Additionally, I request appropriate compensation for the inconvenience caused by their repeated disregard for my privacy. 

Please ensure that my personal information is removed from their marketing and solicitation lists. 

I trust the XXXX  and CFPB will assist in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: UT

Complaint narrative:
In XXXX I had a legal name change. Experian has not removed my old name from all documents and the result is that I periodically have no credit score for months at a time. I have reached out to experience support numerous times since changing my name legally on XX/XX/XXXX. At first, employees encouraged me to wait longer. But after about one year I finally reached someone who forwarded me to a web portal where I should have been able to submit the official documents. However, this web portal was and is broken. I contacted Experian again after being provided incorrect information and was directed by an Experian employee to fax my legal name change documents ( which included sensitive information ) to a given number on XX/XX/XXXX, which I did. I've heard nothing back about these documents and do not know their whereabouts. I have read that submitting a report to this bureau is the only solution short of involving an attorney which motivates Experian to resolve this type of issue. I currently can not open a new credit card or make large purchases which require a credit check despite having " excellent '' credit because old documents are pulled resulting in no credit. This has been going on for years.

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 2024-12-31 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: TN

Complaint narrative:
The following accounts were settled in full but continue to be reported inaccurately : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The following accounts were settled in full but continue to be reported inaccurately : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Bank of America Account Number : 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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My fiance signed over her bonus check to me and I Deposited a check on mobile deposit, They put a hold on it due to identification verification through telephone number. She does not have her phone in her name as it is in mine. We went up there with both of our identification and they still would not release funds and told us her money is now staying with chase, Put a hold on my account and will not release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
Consumer Financial Protection Bureau Dear CFPB Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : - Original Balance : {$13000.00} Open Date : XX/XX/XXXX XXXX XXXX continues to report inaccurate and false information, continuing to lie regardless of the damage to my credit report. 

I am tired of this situation. I have tried to correct the errors I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors on my XXXX and TransUnion credit report. 

Errores : XXXX XXXX XXXX XXXX XXXX and TransUnion that XXXX last payment was {$14000.00} made on XX/XX/XXXX, it doesn't make sense, the original loan was {$13000.00}, how can I pay more than the original loan? Even after having made monthly payments during XX/XX/XXXX until XX/XX/XXXX, it is an error that I have tried to resolve on several occasions and XXXX is not able to correct it, fix this or delete the entire account. 

XXXX XXXX XXXX XXXX XXXX and TransUnion that the account was opened on XX/XX/XXXX but in the PAYMENT HISTORY there is no activity for XX/XX/XXXX, why is nothing reported for XX/XX/XXXX? Please fix this or delete the entire account. 

XXXX deleted and removed the Balance History. Why have they removed that information about the monthly balance, the scheduled payment month by month or how much I paid month by month from XX/XX/XXXX to XX/XX/XXXX? Why was the balance history deleted in the XXXX report? Please provide the Balance History or delete the entire account. 

XXXX reports that I was 30 days late in XXXX and XX/XX/XXXX, that is false, it was the time of XXXX and they themselves gave me a deadline ( Extension ) to pay without affecting my Payment History, they clearly lied, I demand that the XXXX payments of 30 days late in XXXX and XX/XX/XXXX be updated to on-time payments, fix this or delete the entire account. 

I have tried to resolve these issues with XXXX on countless occasions. I demand that they delete this account immediately. XXXX is not able to resolve the errors nor does it have the information to certify and verify what they are reporting. 

Please XXXX has been updating this account with errors for over a year and with each update they add more errors, stop this aberration to my credit report and my integrity, delete this account completely full of errors and false information, it is my right as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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:
Consumer Financial Protection Bureau Dear CFPB Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : - Original Balance : {$13000.00} Open Date : XX/XX/XXXX XXXX XXXX continues to report inaccurate and false information, continuing to lie regardless of the damage to my credit report. 

I am tired of this situation. I have tried to correct the errors I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors on my Experian and XXXX credit report. 

Errores : XXXX XXXX XXXX XXXX Experian and XXXX that XXXX last payment was {$14000.00} made on XX/XX/XXXX, it doesn't make sense, the original loan was {$13000.00}, how can I pay more than the original loan? Even after having made monthly payments during XX/XX/XXXX until XX/XX/XXXX, it is an error that I have tried to resolve on several occasions and XXXX is not able to correct it, fix this or delete the entire account. 

XXXX XXXX XXXX XXXX Experian and XXXX that XXXX account was opened on XX/XX/XXXX but in the PAYMENT HISTORY there is no activity for XX/XX/XXXX, why is nothing reported for XX/XX/XXXX? Please fix this or delete the entire account. 

XXXX deleted and removed the Balance History. Why have they removed that information about the monthly balance, the scheduled payment month by month or how much I paid month by month from XX/XX/XXXX to XX/XX/XXXX? Why was the balance history deleted in the Experian report? Please provide the Balance History or delete the entire account. 

XXXX reports that I was 30 days late in XXXX and XX/XX/XXXX, that is false, it was the time of XXXX and they themselves gave me a deadline ( Extension ) to pay without affecting my Payment History, they clearly lied, I demand that the XXXX payments of 30 days late in XXXX and XX/XX/XXXX be updated to on-time payments, fix this or delete the entire account. 

I have tried to resolve these issues with XXXX on countless occasions. I demand that they delete this account immediately. XXXX is not able to resolve the errors nor does it have the information to certify and verify what they are reporting. 

Please XXXX has been updating this account with errors for over a year and with each update they add more errors, stop this aberration to my credit report and my integrity, delete this account completely full of errors and false information, it is my right as a consumer. 

Sincerely, 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