vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

attached you will see documents

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 2024-04-08 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on XXXX Report Dear XXXX, I am writing to bring to your attention a concerning discrepancy I have discovered on my XXXX credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/2023. 

On XX/XX/2023, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my XXXX credit report, I noticed that there are eight separate hard inquiries listed on the same day, XX/XX/2023, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my XXXX credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX of XXXX - Dated XXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX Dated XXXXXXXX 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Multiple Hard Inquiries on XXXX Report Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy I have discovered on my XXXX credit report regarding multiple hard inquiries resulting from a car loan application made on XX/XX/2023. 

On XX/XX/2023, I applied for a car loan with Truliant to finance the purchase of a vehicle. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), multiple hard inquiries resulting from loan applications within a short timeframe should be treated as a single inquiry if they fall within 14 days. 

Upon reviewing my XXXX credit report, I noticed that there are eight separate hard inquiries listed on the same day, XX/XX/2023, as a result of my car loan application. However, according to the FCRA guidelines, these inquiries should have been consolidated and counted as a single hard inquiry. 

This discrepancy has negatively impacted my credit score and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit activity, under federal regulations. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report. I am enclosing a copy of my XXXX credit report for your reference. 

If you need any more information or documentation to help with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate reporting practices are upheld. 

Sincerely, XXXX XXXX Please remove the following XXXX  of XXXX - Dated XXXX XXXX XXXX - Dated XXXXXXXX XXXX XXXX  - Dated XXXXXXXX XXXX XXXX Dated XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied in good faith for the The Home Depot Commercial Credit Card with Citibank , N.A . as the Creditor. After application had been summited received a denial notice requesting a XXXX. If any portion of this application under the Application ID : XXXX has been securitized under securities act of 1934, within the citibank prospectus, XXXX and or other SEC filings . we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we would wish for this matter to be resolved matter in Private.

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 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a fraudulent charge of {$1600.00} on XX/XX/XXXX with my Chase Credit Card. I disputed the charge for not providing the service on XX/XX/XXXX and got notified of my denied claim on XXXX. I called on XXXX to get reasoning behind the denial and was told they can't protect against in person fraud. What happened : The scam is a garage door scam. I paid for a licensed contractor service to repair my garage door. My garage door repair was for re-wring cables. The company I hired has no license and instead sold me springs and drums from a out of business manufacturer ( despite the springs being listed as XXXX version ) at a price XXXX market prices- essentially selling me a different service than what I paid for and a fake/ fraudulent service. When I pushed back on the service, the repair person said he would not leave until he was paid. At which point, I did not feel comfortable with my personal safety so I paid and let him leave. I immediately opened a dispute with my credit card to report the scam. They said despite it being fraud, there is nothing that can be done. It was in person and not online, so they are not allowed to do anything. Further, because I paid, despite the context under which I paid, they can not do anything. I asked, so if someone sells you a bag of fake diamonds or a bag that is empty under the pre-tense there are diamonds, is this not fraud? She said it is not fraud under how they are defining it. I provided 16 pages of support of the fraud but the credit card company refuses to give back the money and hold the merchant accountable for fraud, despite credit card companies supposedly having protections against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On my credit report I see Hard inquaries that dont belong to me, I would like these removed please : XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2024-04-08 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: RI

Complaint narrative:
On my credit report I see Hard inquaries that dont belong to me, I would like these removed please : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-08 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: TX

Complaint narrative:
I sent a dispute letter to Experian on XXXX and XXXX regarding an account for XXXX. Experian is reporting inaccurate information and will not remove this account from my credit report as I requested multiple times. Please see content from the letter I mailed Experian : XXXX To whom it may concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. High Balance is inaccurately being reported. Also, Closed Date is being reported inaccurately. 
I also sent them a a screen shot of the account with the detailed information and request that they please remove the account from my credit report due to inaccurate reporting.

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 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Triton Recovery Group
State: MO

Complaint narrative:
I entered a payment arrangement for XXXX XXXX company thru a collection agency named Triton Recovery. I was paying {$300.00} weekly and towards the end of my agreement I feel behind on the last two payments of the agreement due to hardship of the agreement. I was contact by one of their agents via email and via phone, she was not very nice about the situation and basically was trying to force a payment. So I agreed to pay {$750.00} the next day to avoid paying another {$4000.00} that I could not afford. I requested a payoff letter for the {$750.00} paid off for the loan and did not get a payoff letter. Recently they have been calling me about defaulting on the loan which is not correct. I responded to the voicemails by calling their number, but they did not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: GA

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-08 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: CA

Complaint narrative:
On XXXX, I contacted XXXX XXXX and XXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a medical debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX, for an auto debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XX/XX/2024, I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your assistance.

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 2024-04-08 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: CA

Complaint narrative:
Dear Bureau, I am writing to formally lodge a complaint regarding an issue I have encountered with Experian, XXXX of the major credit reporting agencies. In XXXX, I had completed a legal name change with a court order. In XXXX, I reported the name change to Experian. The agency updated my information accordingly, ensuring that all my records were current and accurate at that time. 

Unfortunately, I have recently discovered that there has been a significant regression in the accuracy of my personal information on file with Experian. It appears that the system has inadvertently reverted my details to a previous state, replacing my correct information with outdated and incorrect personal data. This error has had a severe impact on my financial standing, most notably rendering me incapable of applying for any form of loan due to the inaccuracies reflected in my credit report. 

Given the gravity of this situation and the potential implications it bears on my financial health, I feel compelled to escalate the matter by filing this complaint with your office. It is my hope that, with your intervention, a thorough investigation can be conducted into this matter, and that Experian will be directed to correct the inaccuracies in my credit report as a matter of urgency. 

I am prepared to provide any further information or documentation as may be required to assist in your investigation. I trust that your office will take the necessary steps to address this issue promptly and prevent such occurrences in the future. 

Thank you for your attention to this matter.

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 2024-04-08 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-08 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and XXXX stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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