vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This inquiry is not mine. I did not authorize this inquiry to be on my credit report. I have no knowledge regarding why this inquiry is even on my credit report. Please check the documents I've sent regarding this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
Recently checked my credit report and saw accounts reporting that I dont 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 2024-11-08 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: CA

Complaint narrative:
My identify was stolen and listed on the XXXX XXXX Someone opened up several store credit cards in my name without my consent or knowledge in XX/XX/year>. 

I opened a fraud claim at XXXX, XXXX, and XXXX. The other credit cars, XXXX, XXXX, and XXXX XXXX were resolved and closed. 

I received notification of these three cards first and so, filed a report with the FTC. 

I am now filing a complaint regarding a Home Depot card, which was also opened on XX/XX/year>, without my knowledge or consent. 

Citibank, which manages the Home Depot card denied my claim of fraud. Therefore, I am filing an additional complaint.

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 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Todays date XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccuracies in Credit Report, File ID : XXXX To Whom It May Concern, I am writing to dispute inaccurate information reported on my credit report. Despite previous communications and your recent investigation, the errors on my report have not been resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
This is the list of all the errors and violations that your office is reporting : 1. Inconsistent Delinquency Reporting doble late payments : The report shows delinquency statuses spanning 30, 60, 90, and 120 days late for various months in XXXX. According to my understanding, it is implausible and erroneous to have all these levels of delinquency reported within the same year for a single account. This inconsistency violates Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the accuracy and integrity of the information reported.

2. Continuous Charge-Off Reporting : This account has been repeatedly marked as Charge Off from XX/XX/XXXX through XX/XX/XXXX, without resolution. Repeatedly reporting the same charge-off every month is misleading and may suggest an ongoing delinquency when, in fact, the debt has already been charged off. This practice could be construed as a violation of the FCRAs accuracy requirements. 
3. Date of Last Payment and Closed Date : The report states the last payment was made on XX/XX/XXXX, and the account was closed as of XX/XX/XXXX. It is not possible for the account to have a last payment date that is later than the date it was closed. This inconsistency requires immediate correction as per FCRA Section 611, which gives consumers the right to dispute and correct inaccuracies. 
In accordance with the FCRA, I demand the following actions : Immediate correction or deletion of all inaccurate delinquency records for this account. 
Removal of duplicate charge-off entries to reflect a single, accurate charge-off date. 
Correction of the payment and closed date discrepancies to reflect the true status of the account. 
Failure to address these issues will compel me to seek further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. Please provide a detailed explanation of each correction or deletion made. Additionally, I request a current copy of my revised credit report reflecting these corrections, free of charge, as per my rights under the FCRA. 
Thank you for your prompt attention to this matter. I expect a response within 30 days, as required under FCRA Section 611.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I noticed that the XXXX XXXX XXXX XXXX  Usage on my Equifax credit report had not been updated in over five months. Equifax guidelines advised me to contact the financial institution ; however, the customer service representative at the financial institution stated that they had been reporting to the credit bureaus as usual. The other two credit bureaus do not have a similar situation, nor do any of my other accounts on the Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: MA

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy and also 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Upon researching my credit report I have late payments not only reported but false. Included with these late reports are a decline in balance with many future payments scheduled with this company.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year> I was alerted that my credit had been pulled and several accounts opened credit accounts and bank accounts had been opened. I called all of them. I was told that an address was added to my credit bureau in XXXX Fl. I have never lived in XXXX FL. 

The accounts were with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All agreed to close the accounts. The XXXX rep placed an alert on my bureaus. I was told the fraudulent address was removed. 

The alert on the bureaus lasted one year. I went online to follow up and make sure all bureaus were frozen. Experian still had the XXXX Fl address in their records. And I was not able to go onto their system to correct it because their records have the fraudsters info rather than mine. Then I tried to call but I could not get past their XXXX which would not transfer me to a person. This year someone tried to get another credit card with XXXX XXXX again using the XXXX Fl address. 

I dont know any other way to get this corrected. You cant expect me to fix this on my own, They are choosing to keep incorrect information in their database and then choosing to profit from selling that info to a bank who profits from giving a credit card to someone who is trying to sell my identity.

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 2024-11-08 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: PA

Complaint narrative:
I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I am a victim of identity theft due to a data breach, and unauthorized accounts have appeared on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate removal of these fraudulent accounts. 
The following accounts should be blocked and deleted : 1. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$280.00} 2. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} 3. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, please delete the following unauthorized inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
I recently checked my credit report and saw accounts reporting that I do not recognize. I had to file an identity report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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:
I recently checked my credit report and saw accounts reporting that I do not recognize. I had to file an identity 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 2024-11-08 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: GA

Complaint narrative:
You are breaking multiple laws in regard to my consumer report. 





The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are breaking multiple laws in regard to my consumer report.

The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-11-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-08 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
You are breaking multiple laws in regard to my consumer report. 





The following correspondence is not a request for validation or verification in any way. It is a demand for you to follow the laws that the U.S. Congress has set forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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 just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and my SSN Card.

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 2024-11-08 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address and my SSN Card.

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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I looked at my report on XX/XX/2024 and noticed somethings that are incomplete and not accurate. I Then mailed out letters asking for information to be verified and removed if not reported accurately. I received letters from capital one stating the information was accurate and that they will furnish such letters to me, but I have not received such letters. My information for this account continues to be inaccurate to current day! On XX/XX/2024 I spoke to account managers, charge off managers, and asked why my information was not correctly displayed on my consumer report as to the account : ( capital one acct XXXX ) high credit amount incorrect, account Detail incorrect, Date opened incorrectly, last reported incorrectly, comments in regard to status, date last active, date of last payment I explained to all of the representatives that this is an extreme violation of the fair credit reporting act, and I need this account removed from my consumer report as it's causing me a great hardship and by law such information must be removed not updated! I was directed to numerous departments and told to file a complaint if I feel I was violated under 15 USC 6802 SECTION 1 ( B ) I was supposed to have an option to opt out of having my nonpublic information disclosed to a nonaffiliated third party ( XXXX, XXXX, XXXX ) and any other XXXXrd party affiliate.

in addition, 15 USC 6802 section 1 ( c ) giving an explanation to the consumer on how to exercise non-disclosure options I was not provided any of these options! and capital one has not furnished copies of my signature stating I was made aware of these options! 

Can you please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I am writing to formally inform you that I am a victim of identity theft due to a recent data breach. As a result, unauthorized accounts have been opened in my name without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report : Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

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 2024-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am writing this letter regarding my mortgage loan, which has not been reported to any of the 3 major credit bureaus. Below are the details of my loan : Loan Number : XXXX Servicer : Shellpoint Mortgage Loan Transfer Date : XX/XX/year> Since the loan was transferred to Shellpoint Mortgage on XX/XX/year>, it has been more than two months, and I have yet to see this loan reported to any of the credit bureaus. Furthermore, I have since paid off the loan in full, but my credit report still does not reflect any information about this mortgage, including its status or payment history. 

This lack of reporting is impacting my credit file and potentially my credit score. I respectfully request your assistance in ensuring that Shellpoint Mortgage reports this loan to the credit bureaus in a timely and accurate manner. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

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 2024-11-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-08 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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