vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: VA

Complaint narrative:
I am writing to bring to your attention an issue that I have been experiencing with XXXX, TransUnion, and XXXX. Despite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been
met with resistance from XXXX, TransUnion, and XXXX when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information.

This situation has caused a great deal of stress and XXXX  for me. The fraudulent activity on my credit report has impacted my ability to secure loans, cre
dit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports.

I request that you investigate this matter and take the appropriate steps to ensure that XXXX, TransUnion, and XXXX are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX lll

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 2024-03-26 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: VA

Complaint narrative:
I am writing to bring to your attention an issue that I have been experiencing with XXXX, XXXX, and Experian. Despite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. 

I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been met with resistance from XXXX, XXXX, and Experian when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information. 

This situation has caused a great deal of stress and XXXX for me. The fraudulent activity on my credit report has impacted my ability to secure loans, credit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports. 

I request that you investigate this matter and take the appropriate steps to ensure that XXXX, XXXX, and Experian are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM VICTIM OF FRAUD.MY CREDIT HAS BEEN STOLEN FROM ME, MY ENTIRE LIFE. IT WASNT UNTIL I GOTTEN OLDER, THAT I START TO UNDERSTAND ABOUT THE RESPONSIBILITY ABOUT CREDIT AND I STILL HAVE NO BIG CLUES.I WANT THE FRAUDULENT ITEMS TO BE REMOVE AND TO KNOW WHO OPEN THESE ACCOUNTS UP AT WHAT LOCATION OR IP ADDRESSES.I AM ALSO REQUESTING MOST OF ALL, THAT THE FRAUDULENT ACCOUNTS AND FRAUD ITEMS BE REMOVE FROM MY CREDIT REPORT, ASAP, ACCORDING TO THE FAIR CREDIT REPORTING ACT SUCSECTION 605B, ANYTHING THAT I BELIEVE WAS POSSIBLY FRAUD MUST BE REMOVE, IF I REQUEST IT. I DONT BELIEVE, I KNOW 100 % A FACT. PLEASE MAKE THESE CREDIT BUREAUS REMOVE THESE ACCOUNTS. XXXX NEVER EVEN DID A BLOCK, THEY INSTEAD BLOCK A SINGLE INQUIRY. I HAVE ABOUT XXXX ACCOUNTS THAT IS FRAUDULENT AND SOMEONE IS USING XXXX OF THE ACCOUNTS AS WE SPEAK, THATS A XXXX XXXX XXXX XXXX.ALSO IF THEY VERIFIED THESE ACCOUNTS BEFORE THEY EVEN REMOVE THESE ACCOUNT UNDER THE FCRA 605B, THEN I WILL WANT THEM TO EXPLAIN WHAT LAW AND CASELAW PROVIDES THEM TO DO THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM VICTIM OF FRAUD.MY CREDIT HAS BEEN STOLEN FROM ME, MY ENTIRE LIFE. IT WASNT UNTIL I GOTTEN OLDER, THAT I START TO UNDERSTAND ABOUT THE RESPONSIBILITY ABOUT CREDIT AND I STILL HAVE NO BIG CLUES.I WANT THE FRAUDULENT ITEMS TO BE REMOVE AND TO KNOW WHO OPEN THESE ACCOUNTS UP AT WHAT LOCATION OR IP ADDRESSES.I AM ALSO REQUESTING MOST OF ALL, THAT THE FRAUDULENT ACCOUNTS AND FRAUD ITEMS BE REMOVE FROM MY CREDIT REPORT, ASAP, ACCORDING TO THE FAIR CREDIT REPORTING ACT SUCSECTION 605B, ANYTHING THAT I BELIEVE WAS POSSIBLY FRAUD MUST BE REMOVE, IF I REQUEST IT. I DONT BELIEVE, I KNOW 100 % A FACT. PLEASE MAKE THESE CREDIT BUREAUS REMOVE THESE ACCOUNTS. XXXX NEVER EVEN DID A BLOCK, THEY INSTEAD BLOCK A SINGLE INQUIRY. I HAVE ABOUT XXXX ACCOUNTS THAT IS FRAUDULENT AND SOMEONE IS USING ONE OF THE ACCOUNTS AS WE SPEAK, THATS A XXXX XXXX XXXX XXXXALSO IF THEY VERIFIED THESE ACCOUNTS BEFORE THEY EVEN REMOVE THESE ACCOUNT UNDER THE FCRA 605B, THEN I WILL WANT THEM TO EXPLAIN WHAT LAW AND CASELAW PROVIDES THEM TO DO THAT.

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 2024-03-26 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: PA

Complaint narrative:
I am writing to formally dispute an inquiry on my credit report. After reviewing my credit report, I believe this inquiry is inaccurate/unauthorized.

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 2024-03-26 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: IN

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment notice I recently received regarding my credit card account # XXXX XXXX XXXX XXXX. As a diligent cardholder, I have reviewed my records and found discrepancies that I believe warrant further investigation under the provisions of 15 USC 1666b of the Truth in Lending Act.

I received a notice indicating that my payment for the billing cycle ending on XX/XX/year> was received after the due date. However, upon reviewing my records, I found that I made the payment on XX/XX/year>, which was well within the grace period specified in my cardholder agreement.

Enclosed with this letter are copies of the following documents for your review and consideration : A copy of my credit card statement for the billing cycle ending on XX/XX/year>, clearly indicating the payment made on XX/XX/year>. 
Proof of payment confirmation, such as a bank statement or transaction receipt, verifying the payment date.

Based on the information provided, I respectfully request that you : Conduct a thorough review of my account and acknowledge the receipt of the payment made on XX/XX/year>. 
Correct any inaccuracies in your records that led to the issuance of the late payment notice.

Provide me with a written explanation of the findings of your investigation and any adjustments made to my account.

Furthermore, as per 15 USC 1666b, I would like to request that any negative reporting to credit bureaus resulting from this dispute be suspended until the matter is resolved.

I appreciate your prompt attention to this matter and expect a timely resolution within XXXX  days of the receipt of this letter, as required by law. Thank you for your cooperation in resolving this dispute. Should you require any further information or clarification, please do not hesitate to contact me at
the phone number or email address provided above. 
Sincerely XXXX XXXX [ Enclosures : Copies of credit card statement and proof of payment ]

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment notice I recently received regarding my credit card account # XXXX XXXX XXXX XXXX. As a diligent cardholder, I have reviewed my records and found discrepancies that I believe warrant further investigation under the provisions of 15 USC 1666b of the Truth in Lending Act. I received a notice indicating that my payment for the billing cycle ending on XX/XX/2023 was received after the due date. However, upon reviewing my records, I found that I made the payment on XX/XX/2023, which was well within the grace period specified in my cardholder agreement.

Enclosed with this letter are copies of the following documents for your review and consideration : A copy of my credit card statement for the billing cycle ending on XX/XX/2023, clearly indicating the payment made on XX/XX/2023. 
Proof of payment confirmation, such as a bank statement or transaction receipt, verifying the payment date.

Based on the information provided, I respectfully request that you : Conduct a thorough review of my account and acknowledge the receipt of the payment made on XX/XX/2023. 
Correct any inaccuracies in your records that led to the issuance of the late payment notice.

Provide me with a written explanation of the findings of your investigation and any adjustments made to my account.

Furthermore, as per 15 USC 1666b, I would like to request that any negative reporting to credit bureaus resulting from this dispute be suspended until the matter is resolved.

I appreciate your prompt attention to this matter and expect a timely resolution within XXXX  days of the receipt of this letter, as required by law.
Thank you for your cooperation in resolving this dispute. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 
Sincerely XXXX XXXX [ Enclosures : Copies of credit card statement and proof of payment ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

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 2024-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I opened a CD account on XXXX but I didn't actually purchase the CD until XXXX.I called the very next day after buying the CD to let the Rep know that I put in the wrong amount.She advised me to close the account an re-open a new account.So I inquired about a grace period to waive any early withdrawal penalty fees.She spoke to her supervisor and her supervisor APPROVED of the waiver ( the evidence can be found on the phone call XXXX ) I only withdrew my money with the ESTABLISHED understanding of the approved waiver.When I received my funds back into my bank account it was short XXXX XXXX.I just knew it was a simple mistake and they would correct it swiftly but they are refusing to correct it.Let me be clear I gave no consent to this illegal transaction.I had zero intentions of paying any early withdrawal fees.I would have left the account alone before I did that! I'm led to believe this was a set up and a robbery.If this matter is not resolved immediately I will be taking further legal actions on the grounds of scamming the consumers.This company will be considered to be ran as a criminal enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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.

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26 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.

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26 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: PA

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe to be inaccurate/unauthorized.

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 2024-03-26 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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