vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-23 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: WA

Complaint narrative:
I have requested an investigation into this account twice, and both times I was informed that the report was accurate. However, my credit report is still not accurate. The account numbers differ across the bureaus : Equifax shows XXXX, while XXXX and XXXX XXXX XXXX. Additionally, Equifax lists the account as a XXXX XXXX account, but just last month it was labeled as an XXXX XXXX XXXX account. How is that possible if all reporting agencies get their information from the same source? There is no way this is accurate. I will attach screenshots as proof XXXX credit reports and a 3 bureau report. 

You have failed to properly investigate this account twice, which is hindering my ability to obtain credit. 

15 U.S. Code 1681e ( b ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

I demand that you delete this account immediately. 
XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, or Transunion ) credit report, and I noticed some Hard Inquires reported on my credit report : And have noticed multiple fraudulent inquiries that i never authorized. In complete violation of Your company is in clear violation of the law. Under 15 USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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 2024-05-22 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX put false and inaccurate information on my credit reports with XXXX and XXXX in the amount of XXXX After months of begging them to validate the debt by providing copies of anything baring my signature they have refused. I have been repeatedly disputing this item on my credit reports and I also filed a complaint against the credit bureaus for not completing an accurate and proper investigation as they continue to report this false collection on my reports. I have provided them with my information and copies of the mail and emails from the original creditor and they all refuse to refrain from violating my rights. Also there are two inaccurate accounts reporting on my credit report with XXXX and XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX. The dates are inaccurate I was never late and I paid my car off in full owing nothing to the bank. I asked both bureaus to investigate and they electronic submit my dispute and report it is verified after I have asked them multiple times for proof. XXXX XXXX XXXX has inaccurate information reporting that I have late payments no proof of this has been received and they continue to falsely report the wrong dates on my report the age of credit is incorrect and the amounts. I disputed all three inaccurate accounts again XX/XX/year> and filed a complaint with the bureaus that does nothing at all.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I RECEIVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: LA

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer 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 2024-05-22 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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
Consumer complaint received 2024-05-22 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: NY

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: KS

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: SC

Complaint narrative:
Bankruptcy on my report dated XXXX  incorrect no bankruptcy in 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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. I received a copy of my credit report. I notice you are reporting this account incorrectly. This collection account is not only as OPEN, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: WA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-22 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: WA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX i called my TJX account to make a payment. I do every month. I found a charge of {$XXXX which was not mine. I called TJX immediately because i've had my accounts hacked since my wallet was stolen in XXXX. 
I told the representative to close the TJX account because of this threat. 
In XXXX i received the fraud documents to fill out and return. I did this. I mailed it express. 
I continued my payments but in XXXX i did not get a bill because i was told i did not get one because the account is under investigation. 
In XXXX, XXXX i called and paid {$XXXX} to the account which brought it to {$XXXX}. 
In XXXX, XXXX i called and the account was over {$XXXX}. So i spoke to a representative and inquired why it was so much higher. I was told the fraudulent charge was added back to the account. I was told because they did not receive the documents i sent. So i was told a new set would be sent to me and no payment was due since they.opened the investigation again. 

I called today XX/XX/XXXX and found the account to be way over {$XXXX} and delinquent. XXXX the account manager stated the fraud charge is still on the account and i am responsible for the added interest and fees and now a delinquent account. I told her i did not even receive a new bill nor the fraud documents i needed to resubmit. 
The account has added interests and fees because of the fraud charge being put back on. 
My last correct balance was {$XXXX}. 
I can not pay on an account that has fraud charges and under investigation. 
If i need to resubmit the papers where are they? I confirmed my address. 

Please ask them to delete the fraud charge. It was not me and i reported it immediately in XXXX and closed the account. I pay on time and now this is affecting my credit score and i don't owe that much more. 
I did not charge {$XXXX} at XXXX XX/XX/XXXX. 
Please fix the fees so i can pay on the correct balance. Moreover i sent the documents and was told the account would freeze until investigation completed.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my credit report I noticed that there are accounts reporting double for education loans. This information is detrimental to my debt to income ratio because I am in the process of trying to purchase a home and this is setback to accomplishing this goal because inaccurate information is being displayed. The credit bureau is supposed to make sure all information that is reported is accurate and complete, however this is not the case. 

XXXX XXXX XXXX is not my loan servicer currently, however this is information is on my credit file as well as showing a 90 day past due on all accounts form XX/XX/year> which is also inaccurate because the prior three months are reporting as OK or on time, so it is not possible to be on time XX/XX/year> and XX/XX/year> if the accounts were past due 90 days XX/XX/year>. Below are the amounts that are listed as owing, but they were paid and transferred to XXXX which is also showing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: LA

Complaint narrative:
After reviewing my credit report I noticed that there are accounts reporting double for education loans. This information is detrimental to my debt to income ratio because I am in the process of trying to purchase a home and this is setback to accomplishing this goal because inaccurate information is being displayed. The credit bureau is supposed to make sure all information that is reported is accurate and complete, however this is not the case. 

DEPT OF EDXXXX is not my loan servicer currently, however this is information is on my credit file as well as showing a 90 day past due on all accounts form XX/XX/2017 which is also inaccurate because the prior three months are reporting as OK or on time, so it is not possible to be on time XX/XX/2017 and XX/XX/2017 if the accounts were past due 90 days XXXX XXXX Below are the amounts that are listed as owing, but they were paid and transferred to XXXX which is also showing. 

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management posted a collection account on my credit report. I never had an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There is fraud on the below accounts. I have recently detected suspicious activities on several accounts within my credit repot. I am taking these accounts like this very seriously, and am committed to safeguarding the security and privacy of my personal credit accounts. 

Upon thorough investigation, I have identified irregular transactions and unauthorized access on the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Multiple unauthorized transactions and unusual login attempts have been observed on this account. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Suspicious transactions involving large amounts of money have been detected. These transactions were not authorized by the account holder. 

XXXX. XXXX XXXX Account Number : XXXX Fraudulent Activity : Unauthorized access to this account has occurred, with evidence of fraudulent transfers and changes made to personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My personal information and personal cell phone number were stolen by XXXX XXXX to open bank accounts and cards fraudulently since XXXX 2023. All other banks but CitiBank took my police report and other supporting evidence to resolve the related issues. Only CitiBank refused to take my supporting evidence and insisted the Citi Credit Card was opened by me. I filed complaints multi times, CitiBank used the false documents provided by XXXX XXXX when the XXXXXXXX  opened the credit card for the investigations and drew the conclusion. I don't understand how come CitiBank can properly investigate without reviewing the documents from a victim of XXXX XXXX?  One of those reasons CitiBank listed is that " payments to the credit card were made under my name ''. What's the total payment amount? It's less than {$200.00}, but the XXXX  spent more than $ XXXX with the credit card by using my personal info. fraudulently. Right now, I file a claim again and submit all evidence to support my position. Please have CitiBank reviewed my documents and solve this issue properly. 

Moreover, I reserve the right to take legal action.

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit management repeatedly sends Harassing, Threatening hurtful letters to my home. I do not know nor have I ever done any business with this company but the letters promise to continue harassing me and says that they will continue to come after me for a debt. they are causing me tremendous pain, XXXX  and emotional grief

Company response to consumer: Closed with non-monetary relief