vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: OR

Complaint narrative:
Subject : Request for Thorough Review of Credit File and Addressing Inconsistencies Dear Credit Bureaus, I am writing to request a thorough review of my credit file and address inconsistencies that I have identified in the information reported. I have previously requested verification of the information, and although you have confirmed its accuracy, upon further examination, I have discovered several discrepancies that need to be addressed. 

One major concern is the inconsistency in my addresses. I have noticed that there are multiple addresses listed on each of the credit reports, none of which are consistent with my actual residential history. I have only lived in XXXX different places throughout my entire life. Firstly, I resided at XXXX XXXX XXXX XXXX until I was around XXXX XXXX XXXX. Then, I lived at the XXXX XXXX from the age of XXXX until I was about XXXX. Currently, I reside at XXXX XXXX XXXX XXXX XXXX XXXX, as I have recently moved. It is crucial that my credit file accurately reflects these addresses [ [ 5 ] ] Furthermore, I have observed discrepancies in the reported dates and amounts associated with certain credit-related information. It is imperative that these inconsistencies are thoroughly reviewed and corrected as necessary. The dates and amounts should align with the accurate and verifiable data to ensure the integrity of my credit file [ [ 1 ] ] According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to maintain accurate and up-to-date consumer credit information. Section 605 ( b ) of the FCRA outlines the requirements for the disclosure of adverse information, including the dates, original payees, and amounts of any checks that form the basis of any adverse characterization of the consumer [ [ 1 ] ] Additionally, Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that consumers have the right to request a thorough investigation of their credit file and have any inaccuracies corrected [ [ 3 ] ] I kindly request that you conduct a comprehensive and meticulous review of my credit file, addressing the inconsistencies in addresses, dates, and amounts as mentioned above. Please ensure that all the information reported accurately reflects my true residential history and financial transactions. I also request that you provide a written response detailing the steps taken to investigate and rectify the identified discrepancies within the timeframe mandated by the FCRA [ [ XXXX ] ] Thank you for your prompt attention to this matter. I look forward to a thorough review of my credit file and the subsequent correction of any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Subject : Request for Thorough Review of Credit File and Addressing Inconsistencies Dear Credit Bureaus, I am writing to request a thorough review of my credit file and address inconsistencies that I have identified in the information reported. I have previously requested verification of the information, and although you have confirmed its accuracy, upon further examination, I have discovered several discrepancies that need to be addressed. 

One major concern is the inconsistency in my addresses. I have noticed that there are multiple addresses listed on each of the credit reports, none of which are consistent with my actual residential history. I have only lived in XXXX different places throughout my entire life. Firstly, I resided at XXXX XXXX XXXX XXXX until I was around XXXX XXXX XXXX. Then, I lived at the XXXX XXXX from the age of XXXX until I was about XXXX. Currently, I reside at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, as I have recently moved. It is crucial that my credit file accurately reflects these addresses [ [ XXXX ] ] Furthermore, I have observed discrepancies in the reported dates and amounts associated with certain credit-related information. It is imperative that these inconsistencies are thoroughly reviewed and corrected as necessary. The dates and amounts should align with the accurate and verifiable data to ensure the integrity of my credit file [ [ 1 ] ] According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to maintain accurate and up-to-date consumer credit information. Section 605 ( b ) of the FCRA outlines the requirements for the disclosure of adverse information, including the dates, original payees, and amounts of any checks that form the basis of any adverse characterization of the consumer [ [ 1 ] ] Additionally, Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that consumers have the right to request a thorough investigation of their credit file and have any inaccuracies corrected [ [ 3 ] ] I kindly request that you conduct a comprehensive and meticulous review of my credit file, addressing the inconsistencies in addresses, dates, and amounts as mentioned above. Please ensure that all the information reported accurately reflects my true residential history and financial transactions. I also request that you provide a written response detailing the steps taken to investigate and rectify the identified discrepancies within the timeframe mandated by the FCRA [ [ 6 ] ] Thank you for your prompt attention to this matter. I look forward to a thorough review of my credit file and the subsequent correction of any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Between XXXX and XXXX of XXXX  charges were made by something called XXXX  that i did not authorize totaling {$15000.00} dollars. I have reached out to the compant numerous times and when I asked the company about them they stated that I toild them that was my son using my card. I said yes but I thought they were talking about purchases made on XXXX not some XXXX  thing. They refuse to remove them and have caused my credit to be destroyed and are charging me for these fraudulant charges. I expolained that through my medical provider I recieved a letter stating that my personal ionformation was compromised and they still refuse to corerect it. It is very obvious the amount and the number of charges are fraudulant but they cclaim they are my personal charges but they most certainly are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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:
I am submitting this dispute due to the blatant violations of the Fair Credit Reporting Act as mentioned below. Congress has found that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Correction to the following violations of law needs to be performed to ensure the protection of the consumers rights. 

Violations : 1. The law ( 15 USC 1681 ( 2 ) ( A ) ( i ) ) excludes transactions or experiences between the consumer and the person making the report. 

The law does not permit transactional history to be displayed on the report but every account on my credit report contains transactional history which completely violates my right to privacy. 

THERES NO NEED TO LIST EACH ACCOUNT THAT IS IMPACTED BY THE STATED VIOLATIONS BECAUSE EVERY ACCOUNT IS REPORTING TRANSACTIONAL HISTORY. 

2. The law ( 15 U.S. Code 1681b ) requires permissible purpose in written form from the consumer before adding anything to the consumers report. 

This agency did not receive my consent in any form before adding a collections account to my report nor do I consent to the report of this account. 

Collections : XXXX XXXX XXXX 3. The law ( 15 U.S. Code 1681b ) requires permissible purpose in written form from the consumer before adding anything to the consumers report. 

This agency did not receive my consent in any form before adding inquiries to my report nor do I consent to the report of any inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts listed below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681. 

I informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX XXXX  # XXXX. 

However, they stated everything was complete and accurate which was a lie. How is that possible when the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to ensure 100 % accuracy and modify or delete accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These people are hindering my ability to get or obtain good credit due to their illegal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts listed below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681. 

I informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX XXXX  # XXXX. 

However, they stated everything was complete and accurate which was a lie. How is that possible when the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to ensure 100 % accuracy and modify or delete accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These people are hindering my ability to get or obtain good credit due to their illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PA

Complaint narrative:
This company has been reporting an inaccurate and unauthorized account on my personal credit report. The debt being reported is due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$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 explanation
Consumer complaint received 2024-05-28 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
There are a total of XXXX accounts reporting on my credit report from a company called XXXX XXXX XXXX. These accounts are fraudulent and they do not belong to me and I respectfully request that you remove them from my credit report expeditiously. I have filed police reports and and will be sending the original creditors these documents as well. 
The accounts are as listed below XXXX : Original Creditor : XXXX XXXX XXXX XXXX {$2700.00} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX : Original Creditor XXXX XXXX XXXX XXXX : {$620.00} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX {$520.00} Account XXXX. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I recently acquired a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This incorrect information is damaging my credit report, and I request an immediate correction. The details in question are as follows : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX 

I assume 30 days is a reasonable time frame for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals contacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the EXPERIAN credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Many banks have been closing my bank accounts and my family 's as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$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