vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: KY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information, TransUnion. Please delete the following accounts. 
Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX. Account Name : XXXX XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account # XXXX Amount XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Amount XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Amount XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX Amount XXXX XXXX XXXX XXXX Account # XXXX Amount 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 2024-12-22 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: NJ

Complaint narrative:
Summary of Complaint : XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. 

Details of Complaint : The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on XXXX. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus.

I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies.

Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute.

CFPA ( Consumer Financial Protection Act ) : XXXX 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

Attached you will find a copy of my id, a copy of my social security card, a copy of my most recent bill, a copy of my FTC complaint, a screenshot of the account removed from XXXX and the letter for Experian.

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 2024-12-22 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: NJ

Complaint narrative:
Summary of Complaint : XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. 

Details of Complaint : The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on XXXX. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus.

I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies.

Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute.

CFPA ( Consumer Financial Protection Act ) : Discover 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

Attached you will find a copy of my id, a copy of my social security card, a copy of my most recent bill, a copy of my FTC complaint, a screenshot of the account removed from XXXX and the letter for Experian.

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 2024-12-22 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: OneMain Finance Corporation
State: TN

Complaint narrative:
15 U.S. Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These Accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-12-22 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXXXX/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 2024-12-22 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: SC

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. On my XX/XX/year> credit report, I discovered several unauthorized credit inquiries on my Equifax credit report. I promptly disputed these inquiries, as I did not authorize any of them. However, Equifax advised me that I needed to contact the creditors responsible for these inquiries to obtain a letter from them acknowledging the unauthorized inquiry. 
This is in direct violation of the FCRA. As per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. Equifax, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. By shifting the burden to me and refusing to remove the unauthorized inquiries, Equifax has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel Equifax to remove these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: OH

Complaint narrative:
I XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately XXXX XXXX XXXX XXXX  These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: OH

Complaint narrative:
I XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately XXXX XXXX XXXX XXXX These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had XXXX credit cards with Citi and clicked on an offer on the app for a high yield checking account. I decided agaist completing the application once I realized there were no branches near me, yet the account was somehow opened as I can see it on the app. I never received the debit card. Clicked to lock the card and they automatically resent me a second card I did not request and never received. I have called citi on XXXX occassions and they refuse to close the account stating I cant be verified because I cant remember a secret word I did not create when opening the account. They wont verify me any other way but by this secret word. They gave me no other options to verify me or to close the account, and the closest citi bank is in another state hours away from my home. In the app I saw the account was going to close within 14 days due to innactivity, so I thought the issue would resolve on its own. However, the account did not close and it is now charging me fees. I am stuck and cant get help by phone or throught online chat. Online chat says I have to call to close the account but I get no help when I call. Talked to a XXXX who gave me no other options or alternatives for verification or to close by mail. They only give me 3 chances to guess a secret word that can be anything as there is no secret question. They wont close the account or lock the lost debit cards. Tried to get fraud involved and the citi representative gave me another number to call that wont answer my calls. It just says try your call another time.

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 2024-12-22 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding an incorrect address listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never resided at this address, and I believe it has been mistakenly reported as part of my credit history. For the past XXXX years, I have lived at the following address : XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX I have attempted to resolve this issue directly with the credit reporting agency, but the incorrect address remains on my credit report. I kindly request that someone please assist in ensuring that this inaccurate information is investigated and removed from my credit file.

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