vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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:
This complaint has been filed because i check my credit score again and im still with the same problem, so I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : *a personal credit card account opened at XXXX XXXXXXXX XXXX # XXXX, *a Personal credit card at XXXX XXXX # XXXX, *and another personal credit card at XXXX XXXX # XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent, negative, closed and collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am writing to dispute the following information, I have also attached the data breech valid claim information as this has been an ongoing issue and TransUnion continues to violate my rights. Keep in mind that this falls under the 48 hour window. 



XXXX. XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$210.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX  Balance XXXX {$450.00} XXXX. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX. XXXX  XXXX {$0.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance of {$17000.00} XXXX XXXX Balance of {$1200.00} XXXX XXXX Balance {$1200.00} XXXX balance XXXX {$3100.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/VERIZO XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Update XXXX XXXX Dear Experian Customer Service, I am writing to request an update to my payment information for the month of XXXX regarding my account under the name " XXXX. '' As per the Fair Credit Reporting Act 1681i, I understand that if any item of information contained in my consumer file is disputed, I have the right to notify the agency directly. I am formally disputing the accuracy of my current payment information and request a reinvestigation of this matter. 

Please update my records with the correct payment information and provide me with a confirmation once this has been completed. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Subject : Notice of Dispute Regarding Inaccurate Bankruptcy Records To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading bankruptcy information currently being reported on my consumer report. This information is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and completeness in consumer reporting. 

The disputed bankruptcies are as follows : Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Why This Information Is Inaccurate Both of these bankruptcies were dismissed, meaning they are legally invalid and should not appear as unresolved or active on my consumer report. Reporting this inaccurate information harms my financial reputation and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting.

Actions Required Under FCRA 611 ( a ), I am requesting the following actions : Conduct a thorough reinvestigation of the disputed bankruptcy information.

Verify the accuracy of the information with the original source.

Remove these records immediately from my credit report if they can not be verified or are inaccurate.

Additionally, please provide me with written confirmation of the results of your reinvestigation and a statement that these records have been deleted, if applicable.

This dispute is made pursuant to my rights under the FCRA. You are required to complete your reinvestigation within 30 days of receipt of this letter. Failure to do so will be considered noncompliance with federal law, and I will take further action if necessary. 

Please send all written responses to my address or via email at XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Subject : Notice of Dispute Regarding Inaccurate Bankruptcy Records To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading bankruptcy information currently being reported on my consumer report. This information is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and completeness in consumer reporting. 

The disputed bankruptcies are as follows : Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Why This Information Is Inaccurate Both of these bankruptcies were dismissed, meaning they are legally invalid and should not appear as unresolved or active on my consumer report. Reporting this inaccurate information harms my financial reputation and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting.

Actions Required Under FCRA 611 ( a ), I am requesting the following actions : Conduct a thorough reinvestigation of the disputed bankruptcy information.

Verify the accuracy of the information with the original source.

Remove these records immediately from my credit report if they can not be verified or are inaccurate.

Additionally, please provide me with written confirmation of the results of your reinvestigation and a statement that these records have been deleted, if applicable.

This dispute is made pursuant to my rights under the FCRA. You are required to complete your reinvestigation within 30 days of receipt of this letter. Failure to do so will be considered noncompliance with federal law, and I will take further action if necessary. 

Please send all written responses to my address or via email at XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding your companys erroneous reporting of an account that has been charged off as bad debt and sold to another debt collector. Despite this, One Main Financial continues to report a balance on the account, which is misleading and damaging to my credit profile.

This action violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as outlined below : FCRA Violation ( 15 U.S. Code 1681s2 Responsibilities of Furnishers ) As the furnisher of information, you are required to ensure that all data reported to credit bureaus is 100 % accurate and complete.

Reporting a balance on an account that has been charged off and sold is inaccurate, as you no longer own the debt. This misrepresentation creates confusion for creditors and negatively impacts my creditworthiness.

FDCPA Violation ( 15 U.S. Code 1692e False or Misleading Representations ) Under the FDCPA, reporting a balance on an account you no longer own constitutes a false and misleading representation of the status of the debt. 
Creditors and third parties relying on this information are being misled, which is a direct violation of the FDCPA. 

Misleading and Inaccurate Reporting Your failure to update the status of this account after selling the debt is deceptive and misrepresents my financial obligations. This error is both unlawful and detrimental, as it artificially inflates my outstanding debts on my credit reports. 

To Add, there are many inaccuracies in the reporting of the alleged debt on my credit report from one main.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX reached out to resolve issues XX/XX/XXXX spoke to supervisor that asked for number I had on purchaser of the vehicle XX/XX/XXXX reached out with buyer and myself on the phone no help. 
XX/XX/XXXX called asked for fraud department gave them registered number of purchaser of car they claim the number wasnt valid. 
I had to report the car stolen from this older gentleman who purchased car for his daughter. My account doesnt deserve to be restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I got email asking me if a made a purchasing I wrote this letter to Regions Bank to make sure i have the disputed amount herein is credited back to my new Regions Bank XXXX account. 
The XXXX disputed transaction ( Dispute ID XXXX  ) on my XXXX XXXX account is XXXX that i could not have charged because i had Not Received my new card in the mail also never was activated by me. 
This was a New Account and so i was waiting for my card to be able to use it. 
I received a email asking me If was me who made the transaction location of the XXXX XXXX ( XXXX XXXX ) is not nearby in fact it is approximately ( XXXX ) fifteen miles from my house. I called regions bank I asked why is the New card/Account Not was Activated by me how the transaction when through. And the answer was " ... the person used the Chip on card ''. That is no logic the chip don't must work either If the card is no activated I am enclosing a copy of the police report, but i can scan and send that to you if that is deemed necessary - name on account : XXXX - Regions CASH REWARDS account number : XXXX XXXX XXXX XXXX XXXX Disputed pruchase in the amount of {$2800.00} ( purchased at XXXX XXXX { XXXX } on XX/XX/year> ) - XXXXXXXX XXXX XXXX  File incident number is XXXX dated XX/XX/year> - The dispute ID number with my Regions Cash Rewards XXXX Signature Credit Card account XXXX XXXX THE ACCOUNT NUMBER THAT WAS USED, FRAUDULENTLY I ONLY HAVE THE LAST 4 DIGITS : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Account Name : CBNA Account Number : XXXX Reason : I don't recognize this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
In XXXX I requested a lower payment amount in so that I would not become delinquent in my payments. I have had a perfect repayment history for over 10 years. 

I verified with the Agent I spoke to that my credit would not be impacted. 
They lied. 

The company showed dual reporting on my credit report. " Paid as Agreed '' but 30 and 60 days late in the detailed reporting. 
The impact to my score has had major negative and domino impacts. 
I was unaware of the delinquent reporting when I purchased my car and qualified only for a double digit interest rate. 
Other Creditors have lowered my credit limits which lowered my utilization, which lowered my score even more. 
Mind you I have never been 30 days late with any of the payments. 
I called the company and was told it would take 90 days to correct. They would not give me a letter to dispute on my end. As of today 2 of the 3 bureaus are still showing the delinquent 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 explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account # XXXX Subject : Dispute of Inaccurate Information & Request for 1099-C Dear Sir/Madam, I am writing to formally dispute the inaccurate information that you have reported to the credit bureaus regarding my account [ Account Number or Reference Number ]. I recently reviewed my credit reports from the three major credit reporting agenciesEquifax, XXXX, and XXXXand I noticed discrepancies regarding this account. Such as it being reported with different balances and charge off amounts .According to the reports, the debt associated with this account is still being reflected in a manner that is not accurate or reflective of the true status of the debt. 

Furthermore, I am requesting that you issue a 1099-C ( Cancellation of Debt ) form for this account, as the debt has been written off, and I am entitled to receive this document for tax purposes under Internal Revenue Code Section 6050P. Based on the nature of the account being written off and settled, I believe I am entitled to receive this form.

Please note that under the Fair Credit Reporting Act ( FCRA ), you are obligated to report accurate and complete information to the credit bureaus. I ask that you correct the inaccurate details with all three reporting agencies immediately, or provide a written explanation for why this information can not be corrected.

In addition, I am requesting that you provide clear and detailed documentation confirming that this debt has indeed been discharged or written off, as required by the Fair Debt Collection Practices Act ( FDCPA ). I believe I should no longer be held liable for this debt, and your refusal to provide accurate reporting, as well as the 1099-C form, may be in violation of both the FCRA and FDCPA.

If you fail to provide the requested documentation or continue to report inaccurate information, I will consider further actions to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal remedies as provided by the laws governing credit reporting and debt collection.

Please respond within 30 days of receipt of this letter with an explanation of how you plan to resolve this matter. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief