vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2024-12-08 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: IN

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XX/XX/year> of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a 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 2024-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For years now i noticed inaccurate information on my credit report, my name is XXXX XXXX XXXX this is the name I only go by. Experian keeps reporting the name XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. I do not go by these names i only go by my real name as XXXX XXXX XXXX because there are thousands of people out there with the same first and last name as mine but the middle name is different That is why i never go by just my first name and last name i always go by XXXX XXXX XXXX because of the amount of people with same first and last name. Experian keeps throwing everything with the name XXXX XXXX or XXXXXXXX XXXX XXXXXXXX under my profile causing me to have a lot of stuff on my credit report that is not mine. I have to keep disputing over and over and come to find out in the end the middle name is different from mine, and they get it deleted. But i never get a fair shot at credit because this happens over and over and when i complain to Experian, they keep saying that they can't delete the 2 wrong names from my credit because they placed something in my credit report that is tied to that name even though it's not my name. This is unfair and against the laws pertaining to credit. I need help in fixing this issue so that my rights are not violated. next step if not fixed asap is to lake legal action against any party in volved with tying me to fake names that's not mine per my birth citification and social security card please delete the 2 makes from my credit report and make sure only my real birth name is linked to my credit NOT 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 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Care credit/syncrony bank credit card was activated on XX/XX/year>. When my wife signed up for the card she did not see a box on the application that was already pre checked for this additional credit card security fee. The fee is {$1.00} per {$100.00} on the credit card. It does not charge your bank account and the fee is billed back directly to the card so that incurs interest as well. Since i dont get a paper bill i never even seen this fee and it is currently been charging {$60.00} a month. I have found the phone number and cancelled the fee and the credit card company will not refund these fees that i never agreed to.

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 monetary relief
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: TX

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. 
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  has violated my rights. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year> I wrote all 3 credit bureaus a certified letter requesting that XXXX XXXX validate the debit on my credit files. They are saying this is a debit from XXXX. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$220.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from XXXX XXXX regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX I have filed a complaint against the XXXX XXXX XXXX with the cfpb and they have still not provide information and my rights as a consumer are being violated. It was deleted from XXXX yet you continue to report. Please provide me the verification the company provided you that validated this debit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: WI

Complaint narrative:
To Whom It May Concern : I am writing this letter to request removal of closed / charge off accounts and unauthorized credit inquires on my XXXX credit report. My latest credit report shows several credit inquires that I did not authorize 15 USC 1681B Permissible Purpose Of Consumer Reports. I have made a complaint to the CFPB about this matter as well as procedure to resolve. 

I am writing to dispute the following miscellaneous inquires / closed accounts and requesting their immediate removal from my XXXX XXXX XXXX Experian 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 2024-12-08 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: OH

Complaint narrative:
XX/XX/XXXX TO XXXX, XXXX AND TRANSUNION Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open UP UKNOWN accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my XXXX, XXXX, AND TRANSUNION credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, {$770.00} Closed Balance {$770.00} Credit limit {$300.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) ( XXXX ) XXXX XXXX Reported : XXXX XXXX, XXXX Closed Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX Charged off account ( XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Charge-off ( XXXX ) XXXX XXXXXXXX  ( XXXX ) XXXX Charge-off/Collection XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) {$2500.00} XXXX  ( XXXX ) XXXX Opened XXXX XXXX, XXXX XXXX, XXXX AND TRANSUNION HARD INQUIRIES hard inquiry not mine XXXX  XXXXXXXX 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 XXXXXXXX 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 did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXX XXXX XXXX XXXX  XXXX amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

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 2024-12-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have no knowledge of these hard inquiries I would like to have them removed immediately or I will file a complaint with the 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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America XX/XX/year> - XXXX  Application XXXX XXXX XXXX sated : Foreclosure or Repossession ( error ) Length of time accounts have been established ( my accounts are over a year old ) same day reapplied Application XXXX XXXX XXXX stated : Insufficient equity and/or down payment ( error ) Foreclosure or Repossession ( error ) XXXX XXXX XXXX XX/XX/year> Unable to verify application ( error ) Record of repossession or deliquency

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 2024-12-08 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX  XXXX XXXX {$530.00} Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX  {$470.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Original creditor : XXXX {$1800.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$530.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX {$470.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX, XXXX Original XXXX XXXX XXXX {$1800.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX Original creditor : XXXX {$3600.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$530.00} Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXX & XXXX Original creditor : XXXXXXXX XXXX  {$470.00} Account number XXXX Date opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$1800.00} Account number XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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 Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXXXXXX XXXX Department XXXX I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


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 2024-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX has XXXX my rights. 

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 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 to according to the 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, in after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information from 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. 
According to 15 USC 1681s-2 they are not supposed to 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