vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: MI

Complaint narrative:
Experian is continuing to report incorrect information on my consumer report. 

The inquiries listed below I did not authorize and they should not be listed on my consumer report. 

EXPERIAN XXXX XXXX  Date of requests ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name XXXX Date of requests ) XX/XX/XXXX XX/XX/XXXX Account name EXPERIAN XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name Date of requests ) + Options XXXX  XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name EXPERIAN Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX  Date of requests ) XX/XX/XXXX Account name XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of requests ) XX/XX/XXXX These inquiries need to be immediately deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Good day! I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed accounts below. 


XXXX Account Number : XXXX This account was misleading please remove it ASAP. 

XXXX  Account Number : XXXX Please investigate this account was DUPLICATE ACCOUNT please remove it ASAP. 

XXXX XXXX Account Number : XXXX Please UPDATE THIS ACCOUNT ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
I checked my XXXX XXXX ( XX/XX/2024 ) to see yet again false fraud charges pinged twice. Original company of XXXX XXXX with the collections company Transworld Systems XXXX. $ First amount of XXXX and second of {$170.00}. 
Called XXXX XXXX and they were not able to give any of the false account information ie name or address etc. 
Calling Transworld during their business hours tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Per The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

This is against of my rights as a federally protected consumer ; to be reported on my credit report : U S DEPT OF EDXXXX,XX/XX/XXXX XX/XX/XXXX in the amounts of : Amount Account Number {$3200.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$4300.00} XXXX {$5300.00} XXXX {$5400.00} XXXX {$2000.00} XXXX {$2000.00} XXXX {$4200.00} XXXX {$3200.00} XXXX {$3800.00} XXXX Per the FCRA as a federally protected consumer. I am now opting out any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 u.s.c 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have funds being held by U.S Bank totaling up to XXXX $ I have not received this payment back yet its going on 3 years now the bank is still holding my funds. I have been to numerous bank locations provided information to support that these are my funds due to them asking me to provide a tax return from a previous year which has no relation to my funds being held, XXXX the branch manager on XXXX XXXX XXXX in XXXX Ohio has ignored all of my emails after refunding me only a small portion of these funds after suspecting fraud that never occurred, I was told the funds would be back to my lender which my lender has confirmed that never occurred me and my lawyer are currently in the process of filing class action lawsuit in regards to this. Due to this this has caused damage to XXXX XXXX during COVID which cost decrease in my XXXX XXXX XXXX this occurred 2021 I have been getting the run around since, I am always told to call a number when going to the branch but the number tells me to go to the branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I am writing to bring to your attention a concerning issue that has persisted despite multiple attempts to rectify it. Despite my repeated efforts to remove these items, they continue to surface, causing significant frustration and inconvenience. 

It is imperative that immediate action is taken to rectify this situation and prevent its reoccurrence in the future. 

I urge you to conduct a thorough investigation into the root causes of this problem and implement robust measures to address it effectively. Additionally, transparent communication regarding the steps being taken to mitigate this issue and prevent its recurrence is essential to restore trust and confidence in your platform/service. 

Furthermore, I request compensation for the time, effort, and inconvenience incurred due to the multiple attempts to remove these fraudulent items. It is essential that appropriate restitution is provided to alleviate the impact of this ongoing issue on users. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
Equifax is reporting an account with the " LAST DAY ACTIVE '' as XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX so which one is it??? IF both companies are reporting accurately the how are the dates different? If the information comes from the same source how could they be reporting differently??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MA

Complaint narrative:
I HAVE RECENTLY EXAMINED MY CONSUMER REPORT AND IDENTIFIED SOME UNAUTHORIZED INQUIRIES : XXXX : Regarding the unauthorized inquiry from XXXX on XX/XX/year>, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future TRANSUNION Regarding the unauthorized inquiry from XXXX on XX/XX/year>, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In less than 6 months of having this account. Ashley Furniture Synchrony Bank reduced my credit limit without reporting the new balance amount, which was favorable to me. This practice is unfair and does not allow me to build credit because my debt ratio is being hindered by Ashley Furniture Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Good day! I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed accounts below. 


XXXX Account XXXX : XXXX This account was misleading please remove it ASAP. 

XXXX  Account Number : XXXX Please investigate this account was DUPLICATE ACCOUNT please remove it ASAP. 

XXXX XXXX Account Number : XXXX Please UPDATE THIS ACCOUNT ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Good day! I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed accounts below. 


XXXX Account XXXX : XXXX This account was misleading please remove it ASAP. 

XXXX  Account Number : XXXX Please investigate this account was DUPLICATE ACCOUNT please remove it ASAP. 

XXXX XXXX Account Number : XXXX Please UPDATE THIS ACCOUNT ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
Per The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

This is against of my rights as a federally protected consumer ; to be reported on my credit report : U S DEPT OF XXXX, XXXX XXXX in the amounts of : Amount Account Number {$3200.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$4300.00} XXXX {$5300.00} XXXX {$5400.00} XXXX {$2000.00} XXXX {$2000.00} XXXX {$4200.00} XXXX {$3200.00} XXXX {$3800.00} XXXX Per the FCRA as a federally protected consumer. I am now opting out any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 u.s.c 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Per The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

This is against of my rights as a federally protected consumer ; to be reported on my credit report : U S DEPT OF XXXX, XXXX XXXX in the amounts of : Amount Account Number {$3200.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$4300.00} XXXX {$5300.00} XXXX {$5400.00} XXXX {$2000.00} XXXX {$2000.00} XXXX {$4200.00} XXXX {$3200.00} XXXX {$3800.00} XXXX Per the FCRA as a federally protected consumer. I am now opting out any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 u.s.c 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
I am writing to bring to your attention a concerning issue that has persisted despite multiple attempts to rectify it. Despite my repeated efforts to remove these items, they continue to surface, causing significant frustration and inconvenience. 

It is imperative that immediate action is taken to rectify this situation and prevent its reoccurrence in the future. 

I urge you to conduct a thorough investigation into the root causes of this problem and implement robust measures to address it effectively. Additionally, transparent communication regarding the steps being taken to mitigate this issue and prevent its recurrence is essential to restore trust and confidence in your platform/service. 

Furthermore, I request compensation for the time, effort, and inconvenience incurred due to the multiple attempts to remove these fraudulent items. It is essential that appropriate restitution is provided to alleviate the impact of this ongoing issue on users. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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