vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: IL

Complaint narrative:
I am writing to formally dispute the following inquiries, Names and addresses also employment history listed on my credit report, as they are inaccurately reported and were not authorized by me. The unauthorized inquiries violate the Fair Credit Reporting Act ( FCRA ), which protects consumers like me from inaccurate and unauthorized information on our credit reports. 

Name details : XXXX XXXX XXXX, XXXX, XXXX XXXX details : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Employment History Details : XXXX XXXX Inquiry details : XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  ) - XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I have not applied for any credit, loans, or financing with the entities mentioned above during the corresponding time frames. As a result, these inquiries are not only inaccurate but also infringe upon my rights under the FCRA. According to the FCRA, unauthorized inquiries must be promptly removed from the credit report. 

Please investigate this matter in accordance with the FCRA guidelines and promptly remove these unauthorized inquiries from my credit report. I am enclosing copies of supporting documentation, including proof of my non-engagement with the mentioned financial institutions during the specified periods. 

I kindly request that you provide me with written notification of the results of your investigation within the 30-day timeframe stipulated by the FCRA. If the inquiries are not removed in a timely manner, I reserve my right to take further legal action to ensure the correction of my credit report.

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: GA

Complaint narrative:
I asked the credit bureau to send me validation of original sign documents, and to do a complete investigation and ensure accuracy of the records they reporting. the credit bureau refuse to show proof of original sign documents and continue reporting fraudulent account on my credit report. They have failed to respond to my dispute letter dated XX/XX/2023 within 30 days after receiving the letter. According to the federal law, the credit bureau required to respond within 30 days after receiving the dispute letter, otherwise delete the information immediately. The credit bureau also in violation for reinserted deleted fraudulent account back on report with out notify me with XXXX, days. Violation FCRA code

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 2023-12-13 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:
I asked the credit bureau to send me validation of original sign documents, and to do a complete investigation and ensure accuracy of the records they reporting. the credit bureau refuse to show proof of original sign documents and continue reporting fraudulent account on my credit report. They have failed to respond to my dispute letter dated XX/XX/2023 within 30 days after receiving the letter. According to the federal law, the credit bureau required to respond within 30 days after receiving the dispute letter, otherwise delete the information immediately. The credit bureau also in violation for reinserted deleted fraudulent account back on report with out notify me with XXXX, days. Violation FCRA code

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TN

Complaint narrative:
15usc6508. per Per the FCRA as a federal protected consumer. I am now opting out of any and all authorizations. I the consumer my have given your written and Unwritten Verbal or non-verbal per 15usc6802.

Fair credit Reporting Act 1974 15usc1681, 15usc1681a, 15usc1611,15usc1602,16cfr 313.6, 16crf 313.7 ,15usc1681,17cfr424,5usc522a, hjr192,15usc15usc1692a,15usc1692 ( 2 ) 15usc1692e ( 2 ) ( a ) 15usc1681 ( 6 ) ( a )

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 2023-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: GA

Complaint narrative:
On XX/XX/23 I wrote Equifax to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. I never heard back from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
Received a statement via USPS for balance due on a Montgomery Ward credit card ( Account # XXXX ) that I did not open and did not authorize to be opened. 
Contacted the company after filing IdentityTheft.gov report and requested that account be closed. 
Account is still open and while it looks like no other charges can be made, it should a balance due still of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-13 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Original loan XXXX XXXX XXXX XXXX New loan number XXXX I originally spoke with XXXX XXXX on XXXX  at that time my credit report was ran. I was approved, after not hearing from XXXX for over a month. He was out sick for 3 weeks. After reviewing the title company information of the amount of over {$10000.00} being paid to them. I went back to XXXX and ask if I could add my spouse for income purposes. I was informed that my spouse credit score would need to be XXXX, it was XXXX XXXX said that he could not remove my spouse, he would need to do so manually, to avoid entering a new application, and it should take no more than 2 days, and that he would call me back. He never called, so upon calling him back the following week XXXX was out of the office, so I emailed his supervisor XXXX XXXX, which informed me at that time I was misinformed, and that she apologized for the inconvenience, she would make sure that I was locked in at the same rate, but would have different advisor take care of my application moving forward, by the name of XXXX. I spoke with him that day only, upon calling back he was never available, so I switched back to XXXX XXXX. Who started a new application around XXXX and told me he had everything, and to only send an updated paystub, which I did, while on the phone with XXXX, and he also requested for me to pay another appraisal fee, which I did. By the end of the call XXXX told my closing date would be on XXXX, due to my information already being verified, and processed. I called XXXX on Friday, and again on Monday XX/XX/XXXX to confirm closing, and he said yes you are all set to close on XXXX I felt to call him back again today XXXX. XX/XX/XXXX At that point XXXX said they ran into a problem, my credit report expired. Keep in mind I file a complaint at the Bank last month with the resolution department,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted the credit bureau due to a notification from XXXX  about anothe acct opened with my information. This acct was open by Capital one and I did not have authorization they provide saying that first the acct ha payments returned I asked what was the balance they said no balance I asked the why would they report it. Rep was rude and kept repeating the acct was closed due to payments returned I told him I never got any information until now and asked to remove the inaccurate information. Rep was rude once again and said he cant do anything about it. The said that they have it investigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian consumer credit reporting agency is intentionally trying to destroy my character. They are intentionally violating my rights. I have a right to decide what is reported on my credit report and what is not. 

Experian has a Notice ' statement on my credit report stating that they couldn't verified my social security administration number. Which is a false statement because I've sent them my actual card and its existence is true, registered and valid. CHECK! 

I don't like that statement being left on my credit profile and i never requested it to be placed. It's a negative connotation and It needs to be removed immediately. Or else I WILL SUE

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 2023-12-14 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: MD

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. 
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

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 2023-12-14 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: MD

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

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
All my irs refunds and stimulus were put into Bank of America account that Im not on account and I cant get my money contacted bank America and irs both bounce me back to each other all my stimulus and irs refunds were deposited into account not my name I never got

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 2023-12-13 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: TX

Complaint narrative:
I checked my credit report and noticed that I had accounts that are not mine so I have disputed them with the credit bureaus but the accounts are still there even though I have attached ftc report. I see no changes.

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 2023-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I bought this card on XXXX XXXX worth XXXX XXXX  when I wanted to use it has XXXX balance, how? Because I never used this card, I complained to incomm and afterwards they sent me an email that they require the receipt and front and back of the card which I sent and they confirmed receipt on XX/XX/ and told me to wait 30 days,, 30 days has gone and nothing has been done, Im not filing a dispute Im logging a complain about a fraud of card with XXXX balance, I will be suing incomm after this, because this is the second time Im raising this case, I will also attach all proof to this case, A RECIEPT IS A PROOF OF PURCHASE ANYWHERE IN THE WORLD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently XXXX inaccurate transactional entries on each credit report with Transunion, XXXX, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.

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