vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Unauthorized inquiries were found on my credit report. I did not authorize these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
Unauthorized inquiries were found on my credit report. I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received letters from XXXX  XXXX XXXX. Citizens. XXXX. XXXX XXXX and XXXX nexis that a credit application was denied. I did not apply for any cards. They all were on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in 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 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
I did not apply or sign any loan with this company. I would like for this to be remove from my credit report if they have no info about this account. 

Email XXXX TrueAccord account number : XXXX Phone Icon Phone ( XXXX ) XXXX ( TTY XXXX ) We are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
My credit report contains information with consistent inaccuracy. I believe these are wrongfully listed or added on my report and I need it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The company Experian is reporting false and misleading account information on my consumer credit report, furnished from XXXX XXXX XXXX. I have already reached out to XXXX XXXX bank and reported the account information as identity fraud. I submitted a request to Experian to block the information resulting from identity theft within 4 business days, but my request was converted into a 30-day dispute without my knowledge. Credit reporting agencies are supposed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Unfortunately for me I am not experiencing fair treatment, and my consumer credit report is still not 100 % accurate. Please see attached legal complaint and original request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report contains information with consistent inaccuracy. I believe these are wrongfully listed or added on my report and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CORELOGIC INC
State: MI

Complaint narrative:
Subject : Failure to Adequately Address Disputed Items and Investigate Fraudulent Information Details of Complaint : XXXX has failed to adequately investigate and address my dispute regarding fraudulent accounts and inquiries on my credit report. Despite providing valid documentation, including an FTC Identity Theft Report, they continue to report inaccurate information and rely solely on furnishers/vendors for verification without conducting a thorough investigation. 
Key Issues 1. Failure to Investigate : XXXX relies entirely on furnishers/vendors to verify disputed items without providing any independent verification. 
XXXX. Fraudulent Accounts : Examples of fraudulent accounts include XXXX XXXX  ( {$5500.00} ), I XXXX Systems ( {$11000.00} ), and XXXX XXXX accounts with various balances. 
XXXX. Unauthorized Inquiries : Numerous inquiries from financial institutions ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ) remain unaddressed. 
XXXX. Harm Caused : The inaccurate information has resulted in credit denials, financial harm, and reputational damage. XXXX failure to comply with FCRA requirements has caused significant emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: LEXISNEXIS
State: MI

Complaint narrative:
Subject : Failure to Adequately Address Disputed Items and Investigate Fraudulent Information Details of Complaint : XXXX has failed to adequately investigate and address my dispute regarding fraudulent accounts and inquiries on my credit report. Despite providing valid documentation, including an FTC Identity Theft Report, they continue to report inaccurate information and rely solely on furnishers/vendors for verification without conducting a thorough investigation. 
Key Issues 1. Failure to Investigate : XXXX relies entirely on furnishers/vendors to verify disputed items without providing any independent verification. 
XXXX. Fraudulent Accounts : Examples of fraudulent accounts include XXXX XXXX  ( {$5500.00} ), XXXX XXXX XXXX ( {$11000.00} ), and XXXX XXXX accounts with various balances. 
XXXX. Unauthorized Inquiries : Numerous inquiries from financial institutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) remain unaddressed. 
XXXX. Harm Caused : The inaccurate information has resulted in credit denials, financial harm, and reputational damage. XXXX failure to comply with FCRA requirements has caused significant emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MS

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: OR

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
I am writing to formally complain regarding the handling of my identity theft case with the CFPB complaint number XXXX. I submitted all required documentation to process my FCRA 605B Identity Theft Fraud Block and requested the method of verification and investigation. Despite following the necessary procedures, I have spoken with multiple supervisors who stated that these fraudulent items could not be removed due to their policy. I believe this policy does not align with the FCRA 605B law, and I am requesting that the CFPB investigate the method of verification used in this case, as it appears to be inconsistent with the legal requirements set forth under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXXXXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX at XXXX Chase bank on XXXX XXXX XXXX XXXX XXXX, XXXX Arizona XXXX I went to withdraw XXXX from my account. The ATM did not withdraw the money and still removed the money from my account. The atm instead generated a receipt of the incident saying to call the number and make sure my account was credited correctly. It was not credited correctly. It returned XXXX XXXX  of my XXXX XXXX  removed. I went inside to the branch and the teller did nothing besides call the same number because they claimed their ATMs are handled by a 3rd party. called the number myself and they said it would take 12 hours to a business investigate the claim. No money has been returned back to my account and I am still without my funds. If this happened the other way around the authorities would immediately resolve the issue. This is occurring right before XXXX on a weekend. I wont have any word on this being investigated for multiple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud.See attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Missing and Inaccurate Account Information Dear CFPB, I am filing a formal complaint against Experian for failing to provide complete and accurate information regarding my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist.

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The absence of detailed reporting suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

Reporting incomplete information violates 15 U.S. Code 1681s-2, which prohibits the omission of essential data regarding accounts.

Summary of Errors and Discrepancies : Missing account details such as balances, high credit limit, and payment history.

No reported late payments ; however, the omission of critical account information creates inconsistencies in my credit profile.

Impact on Creditworthiness : The lack of comprehensive and accurate information in my XXXX report has created discrepancies across credit bureaus, undermining my creditworthiness and leading to financial harm. 
Desired Resolution : Immediate inclusion of all relevant account details in my credit report.

Written confirmation of the updates.

Assurance that the reporting will be accurate and consistent moving forward.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Regarding Missing and Inaccurate Account Information Dear CFPB, I am filing a formal complaint against Experian for failing to provide complete and accurate information regarding my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The absence of detailed reporting suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

Reporting incomplete information violates 15 U.S. Code 1681s-2, which prohibits the omission of essential data regarding accounts.

Summary of Errors and Discrepancies : Missing account details such as balances, high credit limit, and payment history. 
No reported late payments ; however, the omission of critical account information creates inconsistencies in my credit profile. 
Impact on Creditworthiness : The lack of comprehensive and accurate information in my XXXX report has created discrepancies across credit bureaus, undermining my creditworthiness and leading to financial harm. 
Desired Resolution : Immediate inclusion of all relevant account details in my credit report.

Written confirmation of the updates.

Assurance that the reporting will be accurate and consistent moving forward. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
company XXXX XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ] that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : o What the money you say I owe is for : o Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : o Provide a verification or copy of any judgment if applicable : o Identify the original creditor : o Prove the Statute of Limitations has not expired on this account : o Show me the you are licensed to collect in my state : o Provide me with your license numbers and Registered Agent or Agent of Service :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
company XXXX XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ] that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : o What the money you say I owe is for : o Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : o Provide a verification or copy of any judgment if applicable : o Identify the original creditor : o Prove the Statute of Limitations has not expired on this account : o Show me the you are licensed to collect in my state : o Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with non-monetary relief