vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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:
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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
The Bilt card is advertised as a credit card that can pay the rent of the credit card holder and earn points on a relatively large expenditure every month. At issue here is that it also advertises paying the rent transaction fee so that renters don't have to pay it ( I have screen shots of one particular advertisement online but also its advertising campaigns broadly advertised this feature ). I asked Bilt 's online " customer service '' which is nothing but a " AI bot '' incapable of forwarding me to a human representative why my rent fee was not paid for, and it responded that it is because my rent fee is not included in the rent and as a result does not qualify. This is not in any of the disclosures and runs counter to the advertising which does not have any disclosed exception. Furthermore, the reason my rent fee happens to be apart from the rent is because my landlord uses a major transaction processing company, XXXX. Therefore, it would seem that the exception that Bilt is providing is a major exception to a large component of renters who are subject to XXXX. Lastly, I asked for all credit card disclosures from the AI bot, but it was unable to provide me with them. I have screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
Re : Failure to Enter Required Notice of Dispute Dear crpb pass this on to the CRA 's I am formally requesting that the following inaccurate information be removed for violation for the following : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA providing notice of the dispute. Section 623 ( a ) ( 3 ).

Duties After Notice of Dispute from Consumer Reporting Agency A CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ) Notice that I now have the right to seek legal action against you for " negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o '' ( XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) ; or XXXX XXXX Trans Union Corp., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I recently disputed the following inaccurate information with you and when I pulled my new credit report on the 31st day after you received my initial letter, this required notice of dispute was not present, and therefore, you are in violation of FCRA 623 ( a ) ( 3 ) and can not report this information.

I've included the most recent dispute reasons from my letter. Remove immediately : In touch credit union - deletion XXXX XXXXcorrection to be no late paymects I expect the removal of these accounts to be completed within 15 days, as well as the receipt of an updated credit report. 

Sincerely, XXXX XXXX P.s. 
You are required to delete this account by law within 15 days if you do not you are in willfull non compliance and I intend on pursuit legal terms to have this resolved

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 2024-11-29 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:
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 2024-11-29 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have been scammed and I had fraud charges on my bank account with XXXX XXXX. I disputed charges as fraud, XXXX XXXX  credited my account but later recharged amounts again. XXXX XXXX  did not protect my account from fraud charges, XXXX XXXX  charged me for fraud charges and reported me as abuse. 
Provide evidence of abuse, provide evidence of charges made by me, otherwise delete this information from 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 explanation
Consumer complaint received 2024-11-29 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:
i am a victim of XXXX XXXX for years now. [ 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 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 that I was a victim of XXXX XXXX  perpetrated by XXXX XXXX. The trafficking occurred while I resided at XXXX XXXX XXXX, XXXX, GA XXXX. During this period, XXXX XXXX, who can be reached at XXXX and XXXX, used my personal information without my consent to open fraudulent accounts and incur debts in my name. I am now working to rebuild my life and financial stability, and I request your assistance in addressing the negative impact this has had on my credit report. 
I am requesting the following actions : * Investigation and removal of all accounts and debts that were fraudulently opened or incurred by XXXX XXXX : I believe the following accounts are fraudulent : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Provision of copies of all fraudulent applications and supporting documentation : This information will be helpful in my ongoing efforts to pursue legal action against XXXX XXXX and recover from the financial harm I have suffered. 
I am in the process of gathering supporting documentation related to the XXXX  and will provide it as soon as possible. I understand that additional documentation XXXX be required, and I am willing to cooperate fully with your investigation. 
I would appreciate it if you could expedite this request given the sensitive nature of the situation. Please contact me at the phone number or email address above if you require any further information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i am a victim of human XXXX  for years now. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to inform XXXX that I was a victim of XXXX XXXX perpetrated by XXXX XXXX. The XXXX  occurred while I resided at XXXX XXXX XXXX, XXXX, GA XXXX. During this period, XXXX XXXX, who can be reached at XXXX and XXXX, used my personal information without my consent to open fraudulent accounts and incur debts in my name. I am now working to rebuild my life and financial stability, and I request your assistance in addressing the negative impact this has had on my credit report. 
I am requesting the following actions : * Investigation and removal of all accounts and debts that were fraudulently opened or incurred by XXXX XXXX : I believe the following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * Provision of copies of all fraudulent applications and supporting documentation : This information will be helpful in my ongoing efforts to pursue legal action against XXXX XXXX and recover from the financial harm I have suffered. 
I am in the process of gathering supporting documentation related to the XXXX and will provide it as soon as possible. I understand that additional documentation may be required, and I am willing to cooperate fully with your investigation.

I would appreciate it if you could expedite this request given the sensitive nature of the situation. Please contact me at the phone number or email address above if you require any further information. 
Sincerely, 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 2024-11-29 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: SC

Complaint narrative:
As XXXX XXXX, I have encountered multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws in my credit report. Specifically : Incorrect Personal Information : Two addresses are inaccurately associated with me : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA These addresses must be deleted as they are not mine. 
Unauthorized Hard Inquiries : Numerous hard inquiries were made on my credit report without my written consent, violating 15 U.S. Code 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports. These include inquiries from companies like XXXX XXXX, XXXX, and XXXX XXXX XXXX . 

Unverified and Deceptive Debts : Several accounts have been reported without proper validation as required under 15 U.S. Code 1692g. For example, debts from XXXX, XXXX XXXX Lead, and XXXX XXXX  are listed without verification of the original agreements or proof of my responsibility. 

Inaccurate Reporting of Late Payments : The account from XXXX shows a late payment that I dispute. This information must be corrected to paid as agreed, never late, as it does not reflect the actual payment history. 

Deceptive Practices by Debt Collectors : I have evidence of unfair practices, including sharing my debt information with third parties, which violates laws governing the acquisition of location information. 

Failure to Notify of Opt-Out Rights : The credit reporting agency failed to notify me of my rights under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ), which allows consumers to opt out of sharing personal information.

These issues are compounded by willful noncompliance, as outlined in 15 U.S. Code 1681n, exposing the parties responsible to potential civil liability. 

Ive outlined the steps required to resolve these issues, including validating debts, correcting inaccuracies, and removing unauthorized inquiries and deceptive entries. If these matters are not addressed promptly, I am prepared to pursue legal action to protect my rights under the FCRA and FDCPA. 

This situation has caused significant distress, and I am determined to hold all involved parties accountable for their 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 explanation
Consumer complaint received 2024-11-29 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:
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 2024-11-29 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: U.S. BANCORP
State: CA

Complaint narrative:
I have been scammed and I had fraud charges on my bank account with Us Bank. I disputed charges as fraud, US bank credited my account but later recharged amounts again. Us Bank did not protect my account from fraud charges, Us Bank charged me for fraud charges and reported me as abuse. 
Provide evidence of abuse, provide evidence of charges made by me, otherwise delete this information from 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 explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NY

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 2024-11-29 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-11-29 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: AL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-29 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: NY

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 2024-11-29 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: NY

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 2024-11-29 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation