vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information : Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} late payment : XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Tpls, Inc dba Auto Master
State: FL

Complaint narrative:
This company is well aware of my XXXX XXXX and they continue to report on my credit report delinquency bringing down my credit score. They are well aware that they are included in the XXXX  XXXX and maliciously continue to report that i am behind. My payments go to the courts. They refused to acknowledge this with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: ID

Complaint narrative:
Chime closed an account that I had with them due to inactivity. The credit card that I had with them was closed. At the time the amount on the card was over XXXX. The account was closed some times ago. Over a year. I never received funds from that card. I asked about the funds and chime promised to send me a check. I received the checks ( two of them ) to my disappointment the check did not equal {$12.00} in total. One check was for XXXX and some change and another for XXXX and some change. The amount that was in my card at the time they closed my account is still unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
the IRS sent me two letters saying I owed back taxes in the amount of XXXX dollars between the years XXXX to XXXX. I informed them that it's false because I have not worked in over 10 years. I currently receive VA compensation and that is federal money and is exempt from taxes. I have been receiving this for over 10 years. I reported the IRS to my state congressman, and the IRS dropped the case informing me that someone has stolen my identity in an official document. I informed XXXX that I was the victim of identity theft and that I wanted XXXX accounts removed. The disputes came back as verified accounts belong to me.

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 2024-11-16 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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

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 2024-11-16 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:
In accordance with the Fair Credit Reporting act, XXXX has violated my rights, 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 1692b acquisition of location information by debt collectors.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is well aware of my XXXX XXXXXXXX and they continue to report on my credit report delinquency bringing down my credit score. They are well aware that they are included in the XXXX  XXXX and maliciously continue to report that i am behind. My payments go to the courts. They refused to acknowledge this with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of accounts from my credit report that were compromised due to a recent data breach. As a victim of this breach, I am entitled to request this action under the Fair Credit Reporting Act, specifically pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). 
The following accounts, listed below, should be blocked and removed from my credit file immediately : INQUIRIES XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights, 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 1692b acquisition of location information by debt collectors.

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 2024-11-16 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, XXXX XXXX has violated my rights, XXXX 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 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting ACT ACCOUNT # XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting ACT ACCOUNT # XXXX XXXX  # XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/Charge Off : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4300.00} LatePayment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELFREPORTED XXXX XXXX XXXX SELFREPORTED XXXX Inquiries : XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate information from my credit report and their refusal to comply with my valid requests. 

On XX/XX/year>, I mailed Experian a letter along with a copy of my driver 's license and proof of address, requesting the removal of outdated and incorrect addresses listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) regarding the reinvestigation of disputed information ], I understand that they are legally required to remove or correct inaccurate or incomplete information. However, Experian has failed to update my report as requested and continues to show inaccurate address information. 

Additionally, Experian requested that I send them a letter with details of unauthorized inquiries made to my credit file, which I did. Despite this, they have not removed the inquiries as required by law, nor have they provided me with an adequate explanation for their failure to act. The inquiries were not authorized by me, and under the FCRA, I am entitled to have them removed from my credit report. 

Experian 's actions ( or lack thereof ) are in violation of my rights under the FCRA. They have also failed to provide me with clear results of their investigation, and do not allow me to view updates or results online, which further complicates my ability to monitor and resolve these issues. 

Experian has repeatedly refused to delete inaccurate or unauthorized information, and I believe their actions are misleading and unfair to consumers. I respectfully request that the CFPB intervene and ensure that Experian complies with the law by correcting and removing these inaccuracies 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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Never had a XXXX account, never requested a XXXX account. Received calls & letters from AMSHER Collections stating I owe {$510.00}. Sent certified letter to AMSHER Collections requesting Copy of original contract bearing my signature Copy of payment history from original creditor Name & address of original creditor Proof AMSHER Collections, AMSHER parent company, subsidiaries or affiliates owns or has been assigned to collect this alleged debt No reply received, filed FTC Identity Theft Report, report # XXXX. 

Sent second certified letter to AMSHER Collections requesting : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies And if AMSHER Collections already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid off both of my credit cards before I headed on a trip around XX/XX/2024, so that I can use them on the trip. The payments went through and they updated my balance. I used the credit cards the whole trip which was about a week with no problem. When I got back from my trip I went to check my balance so that I know how much I would need to pay, there was still nothing wrong with my account. A couple days later I went to order something from XXXX, which wasnt a big purchase. My credit card had declined, which was odd since I still had a disposable balance the last time I checked. I logged into my XXXX XXXX account to be met with both of my accounts closed. I was completely in shock as to why. Ive always kept up with payments never late. So I call their customer service to see what the problem was. The lady on the phone said my account had been flagged for fraud. Im now extremely scared because I dont know who got access to my account. As she kept explaining, she said that they reverted a payment that I made on ONE of my cards for what every reason they decided. Without updating me on that decision, while continuing to let me use the card while I was on my trip. Ive now had my credit score drop a couple hundred points due to this and have struggled to get back on my feet now that I have no credit cards. Also credit wise I havent been able to get out of this involuntary slump I was put i.

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 2024-11-16 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: 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00}

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 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During XXXX and XX/XX/year> the following funds transfers were made from my Capital One Savings Account WITHOUT MY KNOWLEDGE AND AUTHORIZATION : XX/XX/year> {$0.00} To XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX XX/XX/year> XXXX To XXXX XXXXXXXX XXXX  XX/XX/year> XXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXXXXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX  TOTAL {$21000.00} I first learned of these transfers on XX/XX/year> when I went online to tranfer funds INTO the account. I immediately called Capital One Bank, reported the unauthorized withdrawals and they agreed to open an investigation. I was assured that if the withdrawals were not authorized by me, the funds would be returned to my account. 

XXXX XX/XX/year> I received unsigned letters from Capital One stating that " We've concluded that you authorized the transaction { s } ''. The " documents we used to make our decision '' consisted of heavily redacted printouts of phone calls and emails related to the transfers and screen shots confirming that the transfers were made. There was no evidence or proof that I authorized the transfers because at no time between XX/XX/XXXX and XX/XX/year> did I have any communications or other contact with Capital One Bank by mail, email, phone, text, computer or online. 

On XX/XX/year> I submitted a " Rebuttal '' to their decision making the following poihts : 1. I never was in contact with the bank during the period of the transfers 2. Their usual procedures regarding funds transfers were not followed 3. They claim that all the transfers were made from my home computer but I provided proof that I was out of town for two of the transfers. ( This would indicate that a scammer may have had access to my computer. ) 4. Requeted the name of the XXXX XXXX account holder who received the funds. 

Capital One Bank did not respondI to my Rebuttal but I called a Customer Service Representative and was told that the Investigations Department had again determined that I authorized the tranfers. I asked to speak to the Investigator and was told that was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> {$6700.00} XXXX XXXX XX/XX/year> {$0.00}

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