vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent numerous letters to credit bureaus asking for method of verification of items disputed and they have failed to send to me. Your reporting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned disputes. 

XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/2019 {$37000.00} This account is reporting inaccurate information and amount I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate errors. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Incorrect Personal information on 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect Personal information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
So I deposited a check into my account and it cleared in 2 days, once it cleared I transferred money into my savings account then 2 days after that they then put a hold on that check and both my accounts, I've called the fraud department and they tell me go into the branch and talk to manager, I go into branch and the manager tells me I have to call fraud department, now they are telling me they are going I close both my accounts which is whatever the problem is I had money in my account before I deposited the check and they won't give me my money and now they are telling me it's going to be all the way until XX/XX/XXXX, it's already been 30 days since this originally happened and they won't give me any of my money, in now homeless and everything I've had set up through automatic payment is defaulted and I'm completely screwed. I don't know what I can do but this doesn't seem right in any way. Please help.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PLAID INC.
State: LA

Complaint narrative:
Every since XX/XX/ I have had several problems with my child 's ssa check and all of the money I was getting from unemployment, child support, income tax return etc and still this day I'm having this very same issue my prepaid card with XXXX  has been debited XXXX of dollars and none of which I approved lately every since my id and birth certificate ss card and all of these same documents for my children were stolen I have not been able to go prove who i am and the card company takes no responsibility for the money that has been taken from my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, This past XXXX I made a purchase at XXXX XXXX and used their in-house financier - TD Bank to fund the purchase. XXXX let me know I wouldn't have to pay the fee until the items arrived which was some time in XXXX. They also let me know TD would be sending me a welcome packet with account information so I could setup bill pay. It wasn't until XX/XX/17 that I finally heard from TD Bank in the form of a collections note. I immediately paid the bill over the phone and asked for all my bills to be sent to me moving forward so I could access my account number. During the rest of XXXX and the month of XXXX I made XXXX more phone calls to TD Bank and spent at least XXXX hours on the phone trying to get my account number. My first bill didn't arrive until late XXXX so I missed another payment for an account I couldn't access nor did I have any knowledge of the amount due. During this time my credit score dropped from XXXX to XXXX all because TD Bank failed to send me any account information or a bill for XXXX  months. And they've had the audacity to add late fees to my account. They were also supposed to send me a credit card however it still hasn't arrived. 

As I understand it you will be sending the complaint directly to the company but if I've already complained to them several times asking for a simple bill that took them months to deliver how will this help me? 

Thank you for your help. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/2023, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX XXXX XXXX XXXX, INQUIRY DATES : XX/XX/2023. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, XXXX, and XXXX continue to report my student loan account with XXXX incorrectly. The account has been paid in FULL. I have sent several letters to the reporting agencies to have the balance corrected.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report EQUIFAX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with XXXX, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IA

Complaint narrative:
XXXX XXXX XXXX flagged my account as Collections on XX/XX/2023 and my XXXX Score decreased by XXXX points with XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX It wasn't my debt so I files a dispute and was notified it was removed from my credit report : Source : XXXX XX/XX/2023 Report Number : XXXX Now, the SAME DEBT is in collections and myFICO Score has decreased by XXXX points! This time ENHANCED RECOVERY CO XXXX has flagged my account as Collections on XX/XX/2023 : ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance : {$1500.00} How many times must I work to dispute THE SAME DEBT? This is predatory collection activity, happening to a senior citizen. The debt originated with XXXX XXXX XXXX, who I think is also culpable as its happened multiple times with XXXX XXXX XXXX and my credit has been frozen. XXXX XXXX XXXX is ruining my life with these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX  XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX  XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXXXXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX  XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are FRAUDULENT items ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. NEED REMOVED FROM TRANSUNION ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. 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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a XXXX XXXX  in XXXX XXXX for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Informative Research
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with INFORMATIVE RESEARCH, INQUIRY DATES : XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation