vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: NJ

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach and subsequent identity theft. As a result, fraudulent accounts have been opened in my name and unauthorized credit inquiries have been made on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the following actions be taken immediately : 1. Place a security freeze on my credit report to prevent further unauthorized access.

2. Block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : 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 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 XXXXXX/XX/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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i had a XXXX  installment account to start building credit but it was reporting to XXXX & XXXX only not transunion so i had to let the XXXX. Account close just XXXX transunion aint never change my middle name, transunion have my XXXX XXXX  middle name on my credit report & transunion never changed the name like they said they would 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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to temporarily unfreeze my credit with Experian. I dont have a smart phone. There is no way to contact Experian and quickly unfreeze credit without a smart phone. They do not, unlike other credit reporting agencies, provide an alternative. All interaction is tied to the phone number in their files. What happens if you get a new phone number? What happens if you dont use a smart phone? You are relegated to a long wait and the US Mail. No other credit agency operates this way. They make it IMPOSSIBLE to talk to ab agent and they offer no alternative either on line or by phone.

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 2024-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This was a Kohls store card. I asked for accuracy in my account. Kohls previously sold the debt to another company and now that company no longer has my debt. I contacted Kohls for accuracy in the account and instead they retaliated in an unfair and illegal manner staining my credit report and marking my account off as a charged off account but the debt is nowhere to be found anywhere else. They never reached out to me after I kept asking how to pay my account. My late payment status that I was working on all year just got destroyed because the company I was asking clarity for instead personally went out of their way to only update the information they care about which is also false. I have no idea how to pay my debt and every time I ask they keep marking my account XXXX charged off. This account had been open for years with the same amount never once was it charged off. This feels like a personal retaliation that is completely unfair on my report and my efforts. I have been trying to pay this account for a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: NM

Complaint narrative:
I am formally disputing the accuracy of an account reported on my credit file. The account in question is listed under the name XXXX XXXX with the following discrepancies : XXXX. Inconsistent Reporting : This account is only reported under XXXX but does not appear on my TransUnion or XXXX reports. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires accuracy and completeness in reporting.

2. Inaccurate Charge-Off Information : The account balance is listed as {$0.00}, yet the account is still marked as a charge-off. This contradiction suggests outdated or inaccurate information.

3. Reporting Errors in Payment History : The payment history reflects delinquencies ( 30 and 60 days late ) in 2020 without clear supporting evidence or proper updates.

FCRA Violations The reporting of this account violates the following sections of the FCRA : 1. Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or Obsolete Information Credit reports must accurately reflect account information. Reporting inconsistencies ( such as an account being reported only to one bureau and not others, or inaccurate charge-off details ) may violate this section.

2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy of Credit Reporting Credit bureaus must ensure maximum possible accuracy of information in consumer reports. If the account is reported inaccurately to XXXX and not at all to TransUnion or XXXX, this violates the requirement of consistent and accurate reporting.

3. Section 611 ( 15 U.S.C. 1681i ) : Right to Dispute Inaccurate Information If disputed, credit bureaus are required to investigate and correct or delete any inaccuracies within 30 days. Failure to do so violates this section.

4. Section 623 ( 15 U.S.C. 1681s-2 ) : Furnisher Responsibilities Creditors or furnishers of information must provide accurate and complete information to the credit bureaus. If this account has been reported inconsistently or inaccurately, the creditor has failed its responsibilities under this section.

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 2024-11-28 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: NM

Complaint narrative:
I am formally disputing the accuracy of an account reported on my credit file. The account in question is listed under the name XXXX XXXX with the following discrepancies : XXXX. Inconsistent Reporting : This account is only reported under XXXX but does not appear on my XXXX or Experian reports. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires accuracy and completeness in reporting.

2. Inaccurate Charge-Off Information : The account balance is listed as {$0.00}, yet the account is still marked as a charge-off. This contradiction suggests outdated or inaccurate information.

3. Reporting Errors in Payment History : The payment history reflects delinquencies ( 30 and 60 days late ) in 2020 without clear supporting evidence or proper updates.

FCRA Violations The reporting of this account violates the following sections of the FCRA : 1. Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or Obsolete Information Credit reports must accurately reflect account information. Reporting inconsistencies ( such as an account being reported only to one bureau and not others, or inaccurate charge-off details ) may violate this section.

2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy of Credit Reporting Credit bureaus must ensure maximum possible accuracy of information in consumer reports. If the account is reported inaccurately to XXXX and not at all to XXXX or Experian, this violates the requirement of consistent and accurate reporting.

3. Section 611 ( 15 U.S.C. 1681i ) : Right to Dispute Inaccurate Information If disputed, credit bureaus are required to investigate and correct or delete any inaccuracies within 30 days. Failure to do so violates this section.

4. Section 623 ( 15 U.S.C. 1681s-2 ) : Furnisher Responsibilities Creditors or furnishers of information must provide accurate and complete information to the credit bureaus. If this account has been reported inconsistently or inaccurately, the creditor has failed its responsibilities under this section.

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 2024-11-28 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
upon reviewing my consumer reports .I discovered some instances of late payments on my an account for which I have always maintained timely payments consumer reporting agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with utmost accuracy.I have never missed a payment on the following account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXXI request thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments.If unable to furnish such proof .I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.

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 2024-11-28 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: NY

Complaint narrative:
upon reviewing my consumer reports .I discovered some instances of late payments on my an account for which I have always maintained timely payments consumer reporting agencies play a crucial role in accurately reporting consumer information.It is imperative that this information be reported with utmost accuracy.I have never missed a payment on the following account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXXI request thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments.If unable to furnish such proof .I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.

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 2024-11-28 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: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that has negatively impacted my credit score. Specifically, there are two months of late payment charges listed on my Experian credit report that are inconsistent with the information provided by the other two credit reporting agencies, XXXX and XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all information reported is accurate, complete, and verifiable. The discrepancies between your report and the reports from XXXX and XXXX raise serious concerns regarding the accuracy of the information provided by your bureau. Furthermore, Section 609 ( 15 U.S.C. 1681g ) of the FCRA entitle
s me to request all documentation used to verify the accuracy of the late payment information. Please provide the following : 1. The name, address, and contact information of the creditor reporting the alleged late payment.


2. Copies of any documentation provided by the creditor that supports this claim. 3. Evidence of the procedure used to verify the accuracy of this information. Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ), data furnishers have a legal obligation to report accurate information. Any creditor reporting late payments inaccurately has violated their responsibilities under federal law. If this information can not be verified, I respectfully request its immediate removal from my credit file as required under Section 611 of the FCRA.

For your convenience, I have included a copy of my credit reports from XXXX and XXXX, which show no such late payments, as well as my identifying information. Please investigate this matter promptly and provide me with the results of your investigation within 30 days, as required by the FCRA.

If you find that the information is unverifiable or incorrect, please immediately update my credit report and send a corrected copy to all entities that have accessed my credit report within the last six months.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue within the legally mandated timeframe.

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 2024-11-28 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: NY

Complaint narrative:
On XX/XX/2024, I the consumer was notified by Transunion that XXXX  XXXX  Finance pulled my credit report from Transunion. I had no knowledge that my personal identifying information was provided to XXXX  XXXX  Finance and I did not initiate or consent for an application to be submitted to this bank. I contacted XXXX  XXXX  Finance only to be ignored and disregarded regarding this matter. I then received an adverse action letter On XX/XX/2024 from bank denying the application. This is unauthorized use as I did not receive any benefit from this.

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