vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: AE

Complaint narrative:
I am writing to bring to your attention a matter of grave concern regarding the improper handling of my personal information by certain companies. In XXXX of 2023, I took the necessary steps to file an FTC Identity Theft report, seeking resolution and protection of my rights. Regrettably, the companies in question chose to disregard my rightful request. Despite numerous subsequent attempts, conveyed through multiple letters, urging them to cease the transmission of my non-public information to non-affiliated third-party entities such as the CRAs, their response has been unsatisfactory, citing their purported " lawful duty to report accurate information ''. 

This situation has left me deeply perplexed and disheartened. It is alarming to witness these corporations wield such considerable power over individuals ' personal information, all while exploiting it for their own financial gain. What is even more distressing is the lack of recourse or respect afforded to me as a federally protected consumer. The companies implicated in this matter are unequivocally violating my rights safeguarded under 15 USC 1681, pertaining to permissible purpose under the FCRA. 

As such, I, XXXX XXXX XXXX, exercising my rights as a federally protected consumer, hereby declare my immediate and indefinite opt-out from any and all authorizations, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . It is imperative that my wishes be acknowledged and adhered to without delay. 

Moreover, it is imperative to note that despite my diligent efforts, it has been eight months since the filing of the FTC report, and the implicated corporations persist in their improper usage of my credit file, blatantly disregarding my requests. 

I implore you to take swift and decisive action to rectify this egregious violation of my federally protected rights. Your prompt attention to this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07 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 lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-07 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: GA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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:
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 please do not refute my complaint by stating that I filed this by some other means than myself. There is no third 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 explanation
Consumer complaint received 2024-02-07 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: IL

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. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: IL

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 please do not refute my complaint by stating that I filed this by some other means than myself. There is no third 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 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 2024-02-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-07 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:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-02-07 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: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-02-07 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: CA

Complaint narrative:
I received an email on XX/XX/XXXX from XXXX XXXX that any fraudulent trade lines related to my report have been removed. But as of today Experian still has NOT deleted this from my credit report. 

Please inform EXPERIAN to remove this since it has been more than 30 days Account : 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 2024-02-07 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: TX

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had unauthorized inquires re-inserted on my credit report after they were removed several months ago. 

I also have an account that is not reporting accurately on my credit report. There is a billing error. I was never late on the XXXX account in XX/XX/2022. XXXX is reporting accurately with all payments paid as agreed. While XXXX and Equifax are reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: AZ

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: AZ

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: AE

Complaint narrative:
I am writing to bring to your attention a matter of grave concern regarding the improper handling of my personal information by certain companies. In XXXX of 2023, I took the necessary steps to file an FTC Identity Theft report, seeking resolution and protection of my rights. Regrettably, the companies in question chose to disregard my rightful request. Despite numerous subsequent attempts, conveyed through multiple letters, urging them to cease the transmission of my non-public information to non-affiliated third-party entities such as the CRAs, their response has been unsatisfactory, citing their purported " lawful duty to report accurate information ''. 

This situation has left me deeply perplexed and disheartened. It is alarming to witness these corporations wield such considerable power over individuals ' personal information, all while exploiting it for their own financial gain. What is even more distressing is the lack of recourse or respect afforded to me as a federally protected consumer. The companies implicated in this matter are unequivocally violating my rights safeguarded under 15 USC 1681, pertaining to permissible purpose under the FCRA. 

As such, I, XXXX XXXX XXXX, exercising my rights as a federally protected consumer, hereby declare my immediate and indefinite opt-out from any and all authorizations, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . It is imperative that my wishes be acknowledged and adhered to without delay. 

Moreover, it is imperative to note that despite my diligent efforts, it has been eight months since the filing of the FTC report, and the implicated corporations persist in their improper usage of my credit file, blatantly disregarding my requests. 

I implore you to take swift and decisive action to rectify this egregious violation of my federally protected rights. Your prompt attention to this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07 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: AE

Complaint narrative:
I am writing to bring to your attention a matter of grave concern regarding the improper handling of my personal information by certain companies. In XXXX of 2023, I took the necessary steps to file an FTC Identity Theft report, seeking resolution and protection of my rights. Regrettably, the companies in question chose to disregard my rightful request. Despite numerous subsequent attempts, conveyed through multiple letters, urging them to cease the transmission of my non-public information to non-affiliated third-party entities such as the CRAs, their response has been unsatisfactory, citing their purported " lawful duty to report accurate information ''. 

This situation has left me deeply perplexed and disheartened. It is alarming to witness these corporations wield such considerable power over individuals ' personal information, all while exploiting it for their own financial gain. What is even more distressing is the lack of recourse or respect afforded to me as a federally protected consumer. The companies implicated in this matter are unequivocally violating my rights safeguarded under 15 USC 1681, pertaining to permissible purpose under the FCRA. 

As such, I, XXXX XXXX XXXX, exercising my rights as a federally protected consumer, hereby declare my immediate and indefinite opt-out from any and all authorizations, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . It is imperative that my wishes be acknowledged and adhered to without delay. 

Moreover, it is imperative to note that despite my diligent efforts, it has been eight months since the filing of the FTC report, and the implicated corporations persist in their improper usage of my credit file, blatantly disregarding my requests. 

I implore you to take swift and decisive action to rectify this egregious violation of my federally protected rights. Your prompt attention to this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: ND

Complaint narrative:
I had XXXX credit cards opened in my name with predatory credit card companies that will not fix the problem. 

First one is FEB Destiny and the other is Indigo Celtic bank. 

Neither company chooses to help and they are now illegally damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
This account has caused me significant distress, to the poinXXXX where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2024-02-07 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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was closed by chase bank at XX/XX/XXXX. The ending balance is XXXX dollars The investigation process is supposed to be 1-2 weeks as the bankers told me.I went to the branches and had several calls. What they told me was different every time. they told me they would send my check a week later or said it would take longer to investigate. Now it took more than 4 months, I havent received my money yet. I couldnt pay the rent because they havent send my money check back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
Yes well there was some improper behavior with XXXX and I clearly mentioned too cash app and wanted to dispute my transaction and they refuse too. I dont agree to there terms and they did this before with the XXXX XXXX and XXXX  offer again there refusing to redeem or cooperate funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received my XXXX Consumer Disclosure Report and I found some incorrect information that XXXX and Transunion is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. 
I am disputing the incorrect reporting of a Bankruptcy on my XXXX Consumer Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void.

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