vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. 2. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. 3. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 4. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. 5. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. 6. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. 7. The account rating is reported as " Derogatory '' by all three bureaus. 8. The account description is reported as " Individual '' by all three bureaus. 9. The dispute status is reported as " Account not disputed '' by all three bureaus. 10. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 11. The payment amount is reported as {$0.00} by all three bureaus. 12. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. 13. The past due amount is {$540.00} across all three bureaus. 14. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL 6XXXX XX/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 2024-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against TRANSUNION for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, TRANSUNION has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against TRANSUNION for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for TRANSUNION 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against TRANSUNION for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, TRANSUNION has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against TRANSUNION for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for TRANSUNION 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2024-07-24 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TN

Complaint narrative:
XXXX XXXX is reporting on my credit report I don't owe them. I sent both companies Cease and desist letter but Experian keep saying that it's verified or updated each month an now it's showing in collections. XXXX nor XXXX has this information my credit report should be the same across all three reporting agency Experian should delete 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 2024-07-24 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-07-24 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: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance withthe Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency canot furnish an account without my written instructions. 

Account XXXX XXXX services *** XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Furthermore, please provide the following : 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these fouXXXX things please delete these accounts from my credit report. Thanks

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 2024-07-24 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: MO

Complaint narrative:
On XX/XX/year>, I reviewed my Equifax credit report and noticed that my information was deleted and someone else 's information was put on my report, my credit card accounts were deleted, my mortgage on my house was deleted, my social security number was deleted. And there is another one on my credit report, also my addresses, everything was deleted from my credit report from Equifax. I don't know what happened to my information. It was mixed or deleted. And they added information about another person on my credit report that I am not My name is XXXX XXXX, and another name appears, my social security ends in XXXX and another social security appears there that ends in XXXX XXXX and addresses that are not mine my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO, my old address is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX all the accounts that appear on my equifax report now are not mine nor are they under my name where copies of my credit report were attached from XXXX and XXXX so that they can verify my correct and exact report, not what Equifax is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated 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 2024-07-24 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My credit report is showing unauthorized, inaccurate information. I have a late payment being reported from Credit Acceptance account number is XXXX, and according to FCRA 15 USC 1681a 2 ( a ) ( i ) a consumer report does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report. According to the FCRA these laws are stating this account needs to be updated or this account needs to be removed immediately.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I contact multiple companies from two years ago, who ran my credit report Without my authorizations with left me with inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I accidentally mobile deposit my cashiers check which was from my saving acc twice with Wells Fargo and XXXX XXXX for {$1500.00} XXXX deposit with Wells Fargo XXXX XXXX XXXX Funds received and used 2nd deposit with TD bank XXXX XXXX XXXX Funds were returned charge back XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX Wells Fargo withdrawal {$1500.00} from my business acc ends in XXXX funds were never credited back to my account All claims were denied with Wells Fargo Wells Fargo Perform acts of unfair practice As well as fraudulent acts

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'd like to refer to you the attached affidavit of service from the debt collector XXXX, XXXX, XXXX, and XXXX ( XXXX ). 

In the affidavit of service, the agent of MRJF states that he talked to my neighbors to determine my address, and looked through my mail to determine my address. 

I would refer you to 18 U.S.C. 1708.

Going through my mailbox and my mail to determine if I live somewhere constitutes mail theft. I have asked the USPS Postal Inspector to prosecute. 

The affidavit also states that the debt collector " spoke with a neighbor who says the subject resides. '' This is a clear effort at intimidation. My neighbors should not be informed of my debt, a process server should not trespass on my property, or attempt to rifle through my mail. 

I ask the CFPB to take immediate action against this debt collector for violations of the law. 

I also want to make clear that while MJRF has accused me of filing duplicative complaints as a way to " intimidate '' them, I have not complained about this issue before as it has just come to my attention.

The complaints I am filing against MJRF represent distinct instances of where I believe them to be breaking the law, and if they would like me to stop complaining, they should stop breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have a Barclays Frontier Mastercard and have been a member since early 2023. A benefit of the card is as follows... 

Upon review of your account, you will earn a {$100.00} Frontier Airlines Flight Voucher after your account anniversary when you have spent {$2500.00} or more in purchases on your account during your card membership year ( each 12 month period through and including your account anniversary date ). The Flight Voucher will be issued approximately 6-8 weeks after your account anniversary date if the {$2500.00} in Purchases requirement was met during the card membership year. The Flight Discount Voucher will be delivered via email to the primary cardmember 's email address on file with Barclays and will also be available by logging into the primary cardmember 's online account at BarclaysUS.com.

I have never received the account voucher. When contacting Barclays, they say its the responsibility of Frontier. When contacting Frontier, they say the voucher will be sent by Barclays. Neither company can provide information on if or when the voucher was emailed out.

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 2024-07-24 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Failed to perform a proper re investagtion to verify payment method, unpaid violation invoices, and increase XXXX points for discrimnation.

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 2024-07-24 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: FL

Complaint narrative:
The company ( s ) is reporting fraudulent, inaccurate information on 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 2024-07-24 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: Applied Data Finance, LLC
State: FL

Complaint narrative:
The company ( s ) is reporting fraudulent, inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/2024 I made a {$40.00} deposit on Chime acct about XXXX minutes later a company called XXXX ( cable and internet ) charged my Chime card {$39.00}. I have no clue who this is it says cable and internet. I dont have cable or internet! I have tried to get in contact with this company with o luck this money was withdrawn at XXXX XXXX XX/XX/XXXX I immediately contacted chime to stop pending payment they were no help either and denied my claim I filed with them. This almost cost me my job I had deposited the money to chime so I could get XXXX the next day to get to work

Company response to consumer: Closed with explanation