vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
I writing to formally request your immediate intervention regarding fraudulent accounts on my credit report. Despite mailing letters to the credit bureaus on XX/XX/XXXX, requesting the removal of these accounts and initiating investigations, there has been no action taken ot date. This failure ot address the issue is causing ongoing harm ot my financial well-being. 
These accounts appear ot be the result of multiple data breaches, including : XXXX XXXX XXXX XXXX XXXX, a leading provider of background checks, which compromised my personal information. 
XXXX XXXX XXXX XXXX, where I was confirmed as a victim ( screenshot attached showing my information was affected ). 
XXXX. XXXX XXXX XXXX, exposing my sensitive personal data again. This is the fourth such breach by T-Mobile, following incidents in XXXX, XXXX, and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right XXXX dispute fraudulent information on my credit report, and credit bureaus are required ot investigate and resolve disputes within XXXX  days 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ). However, the following accounts remain unresolved : - XXXXk Account # XXXX - XXXX  XXXX Account # XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX  Sold to XXXX Debt Holding Account # XXXX XXXX XXXX Account # XXXX As per FCRA Section 1681c-2, if a consumer notifies a credit reporting agency of suspected fraudulent information, the agency is required to block that information within XXXX business days. The failure ot remove these accounts or initiate proper disputes within this timeframe constitutes a clear violation of my rights under the FCRA and 15 U.S.C. 1681 ( Right to Privacy ). 
I urge the CFPB to promptly notify the relevant credit bureaus XXXX, Transunion and XXXX to remove these fraudulent accounts from my credit report and ensure compliance with the FCRA. The continued presence of these accounts is severely damaging my credit and financial standing, and it is critical that this issue be resolved immediately. 
I respectfully request that the CFPB take swift action to rectify this matter and confirn the necessary actions taken. I am a natural person disputing this issue independently, not through a credit company. 

Its is deeply troubling that XXXX, XXXX, and TransUnion have failed to address this issue despite my efforts. I am a natural person disputing this myself & not aCredit repair company. This is horrible by XXXX, XXXX and Transunion not to Remove accounts. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

I mailed you all CFPB as well.

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 2025-01-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I writing to formally request your immediate intervention regarding fraudulent accounts on my credit report. Despite mailing letters to the credit bureaus on XX/XX/XXXX, requesting the removal of these accounts and initiating investigations, there has been no action taken ot date. This failure ot address the issue is causing ongoing harm ot my financial well-being. 
These accounts appear ot be the result of multiple data breaches, including : XXXX XXXX XXXX XXXX XXXX, a leading provider of background checks, which compromised my personal information. 
XXXX Equifax Data Breach, where I was confirmed as a victim ( screenshot attached showing my information was affected ). 
XXXX. XXXX XXXX XXXX, exposing my sensitive personal data again. This is the fourth such breach by T-Mobile, following incidents in XXXX, XXXX, and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right XXXX dispute fraudulent information on my credit report, and credit bureaus are required ot investigate and resolve disputes within XXXX  days 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ). However, the following accounts remain unresolved : - XXXX Account # XXXX - XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX - XXXX XXXX XXXX Sold to XXXX Debt Holding Account # XXXX XXXX XXXX Account # XXXX As per FCRA Section 1681c-2, if a consumer notifies a credit reporting agency of suspected fraudulent information, the agency is required to block that information within XXXX business days. The failure ot remove these accounts or initiate proper disputes within this timeframe constitutes a clear violation of my rights under the FCRA and 15 U.S.C. 1681 ( Right to Privacy ).

I urge the CFPB to promptly notify the relevant credit bureaus Equifax, XXXX and XXXX to remove these fraudulent accounts from my credit report and ensure compliance with the FCRA. The continued presence of these accounts is severely damaging my credit and financial standing, and it is critical that this issue be resolved immediately. 
I respectfully request that the CFPB take swift action to rectify this matter and confirn the necessary actions taken. I am a natural person disputing this issue independently, not through a credit company. 

Its is deeply troubling that Equifax, XXXX, and XXXX have failed to address this issue despite my efforts. I am a natural person disputing this myself & not aCredit repair company. This is horrible by Equifax, XXXX and XXXX not to Remove accounts. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

I mailed you all CFPB as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. 

Notably, the account " XXXX XXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into consumer reports.

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-14 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-01-14 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-01-14 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: Credit Systems International, Inc.
State: GA

Complaint narrative:
this company is reporting on my consumer reports with an alleged debt claim, I've made several attempts requesting they validate their claim which they have yet to do. I've asked them to cease their collection and reporting until they've validated their claim in violaton of FDCPA they continue their tatics. 
see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
received a letter stating I owe a debt to this company this company is violating my rights to privacy. As I do not have a contract with this company, nor have I given this company permission to have or house any of my personal information. 

This is a violation of FDCPA, and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY 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 2025-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX  XX/XX/2024 : XXXX XX/XX/2024 : XXXX XXXX XX/XX/2024 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I made XXXX separate mobile deposits on my 5/3 mobile banking app. One check was written to me from my mom in the amount of {$50.00}, one written to my husband as XXXX XXXX for {$250.00} from our church paying him as youth pastor, and one more written to XXXX XXXX from his grandparents for {$2000.00}. On XX/XX/XXXX, I can not log into my banking app anymore. I get a number that pops up to call. I call Saturday morning. The lady lets me know that there is nothing she can do and I need to call the fraud department or my branch on Monday. I called the fraud department on XX/XX/XXXX. I spoke with XXXX different representatives. Each representative asked me the same questions : How did I receive the check? What were the checks for? I explained each time. There argument was the account was being closed bc the {$2000.00} was written to XXXX XXXX and not XXXX XXXX which is my husbands legal name. His middle name is XXXX. It is not a far reach. The reason I feel their argument is invalid is because the other check that was deposited was written out to XXXX XXXX. We get checks almost every week that are written out to XXXX XXXX and it has never been an issue. They proceed to tell me there is nothing they can or will do. I asked to talk to a supervisor and the representative told me there was nothing a supervisor could do and they would give me the same answer. I was denied speaking with someone hire than the representative. We go to the branch to close the account. Our branch rep called the fraud department to lift the hold so we could close the account. They would not close it because of pending charges. They also informed that my husband could still have a 5/3 account but I could not. Even though this fraud claim was on our joint account. There was no fraud. I explained my side of things. They still have chosen to hold our funds hostage and close our bank account we have had for 3 years with NO ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
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 2025-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXX XXXX is, this fraudulent account need to be remove from my report because it's hurting my personal finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: UT

Complaint narrative:
A debt collector is reporting an inflated debt amount to credit bureaus from a XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX eviction judgment. The court records show the following : - Court ordered daily rate of {$100.00} from XXXX XXXX XXXX ( {$2700.00} total ) - Sheriff 's costs of {$140.00} - Total base judgment amount : {$2800.00} The debt collector is reporting an original debt amount of {$16000.00} on my credit report, which is more than five times the court-ordered judgment amount. Even with California 's statutory interest rate of 10 % per year, the total legal obligation would be approximately {$4400.00} as of XX/XX/XXXX. 

The debt collector has not provided any documentation justifying how they calculated this inflated amount, which appears to violate the Fair Debt Collection Practices Act by misrepresenting the amount of debt owed. I have obtained copies of the court judgment and writ of possession that verify the actual judgment amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I have sent a number of disputes pertaining to frauduleent and unauthorized accounts on my credit report. I sent the disputes letters out on XX/XX/XXXX and XX/XX/XXXX without any correction to the fraudulent/ inaccuracy accounts. This fraudulent accounts that I am referencing consist of the following XXXX XXXX XXXX XXXX The fraudulant inquiries the I am referencing consist of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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