vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The major Credit bureaus XXXX, Experian, and XXXX each stated my account was properly investigated but how is that possible if on multiple accounts inaccuracies and misinformation on the status of the open dates, high credit, my full name, date of birth, months within the term, etc. as per the attached file. These are all grounds for removal as they've violated my rights under 15 U.S. code 1681 section 602 A. States I have a right to privacy.

15 U.S. code 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation and while my certified mail tracking # has been displaced, here are my complaint numbers, XXXX and XXXX. 

What originally happened was I checked my credit reports as recent as XXXX of XXXX  and noticed that there was an account by XXXX XXXX with details that were out of place and needed to be changed in order to better reflect on my credit score and consumer report history. I showed not only copies of my report but cited the issues and while my complaint was read it wasn't addressed and removed per the fair resolution I offered. I not only pay to have copies of my credit report from Experian but to have membership benefits that allow me to see what's on my XXXX and XXXX reports as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I trust this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 2024-04-20 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 trust this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: AZ

Complaint narrative:
I.Q. Data is charging me for a debt I already paid through a different company. I informed and provided a letter from the company I paid for proof. They still wont quit collection attempts and they wont update the collection account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Inquiries - XXXX XXXX XXXX XXXX XXXXXXXXThis inquiry was not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX -this inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXX -This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XX/XX/XXXX XXXX  this inquiry was not authorized. Please remove it from my credit report immediately. 

Accounts - XXXX XXXX, this account is being reported inaccurately, please remove this from my credit report immediately

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 2024-04-20 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Inquiries - XXXX XXXX XXXX XXXX XXXXXXXX inquiry was not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -this inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XXXX XXXXXX/XX/XXXX -This inquiry was not authorized. Please remove it from my credit report immediately. 

XXXX XX/XX/XXXX XXXX this inquiry was not authorized. Please remove it from my credit report immediately. 

Accounts - XXXX XXXX, this account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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:
I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.

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 2024-04-20 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: NY

Complaint narrative:
Recently, I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my abilities to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

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 2024-04-20 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.

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 2024-04-20 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 hope this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is crucial that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXX Balance : {$5400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: PA

Complaint narrative:
A charge off is considered a certificate of indebtedness, which means it is income. Income can not be reported to your credit report, it must be removed from my credit report. 

The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections.

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 2024-04-20 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: PA

Complaint narrative:
A charge off is considered a certificate of indebtedness, which means it is income. Income can not be reported to your credit report, it must be removed from my credit report. 

The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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:
I've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for transunion, XXXX, and XXXX to reinvestagate and please inform me where they validate these inaccurate items from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.

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 2024-04-20 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've checked my consumer report XX/XX/2024 I still see the same inaccurate and malicious items on my report. I would like for XXXX, equifax, and XXXX to reinvestagate and please inform me where they validate these inaccurate items from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, all the inquiries and all the false addresses. Please delete of of the malicious and inaccurate information from my consumer report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
Name : XXXX XXXX Account Number : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX/Santander This is my first time ever buying a car. XXXX  XXXX XXXX, I was just informed my contract was fraud. I didnt know I had the right to rescind the consumer credit transaction. My credit score was a XXXX. They demanded I put {$1000.00} down. I was told they werent supposed to comingle cash when it comes to a finance charge during a consumer transaction. Title 15 1635. Also, I pay my own car insurance. According to title 15 1605 insurance shouldve been included in the finance charge. I would like to arbitration and get an additional {$75000.00}. I have all documents I just wan na see if Im this is accurate??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> a request for An emergency money transfer in the amount of XXXX with bank of America Edd Unemployment benefits was an error in my name spelling preventing me the ability to pick up the funds had to call boa back and was told i had to wait 45 days from that day to receive the funds back into my account. I called everyday for the first 2 years and today it's longer then 4 years I'm still waiting I've provided all documents that could help solve this issue and they've made no help with keeping those documents safe. I was sent a letter that an error did in fact occurred and it would be taken care of. Only to still be on pending status. I've lost a great deal of my time and energy trying to do their job their policy is XXXX per week of a money transfer transaction occurring and they went over that amount in a four day gap. At the time I had issues with my landlord which I was evicted for not paying in time still homeless today. I have called more then enough times to be hung up on put on hold and put my hopes up just to still have nothing. The error occurred on boa end when it clearly should havent because ive Been through one money transfer transaction prior to the one they made an error on so its really not clear what happened to be treated as a fair customer service as a priority when the proof was more then enough. I've lost time away from my family over this issue that was humiliating and offensive to me because I had to explain every time I called boa because notes weren't put on my account to make it easier for me to be taken care of instead it causes my dispute to overlaps over time and it worked against me because the same transaction was submitted as a new dispute over and over again. Giving them more time to have the records become archive in the system where today I'm told their not able to go that far back on the transaction I'm disputing about. Im unemployed today and I'm homeless I've fought so long with so much energy I don't get why this is still an issue. Unemployment benefits are no longer being issued by boa for a lot of reasons. I'm just not comfortable with all the time I've lost having this over my shoulders still. I've received letters after letter about an error occuring then not occurring then being given temporary credit four times back and fourth it was taken back given again to losing again too many staff touching this case but not enough to have it solved already. Ive tried to work with them but now I'm fed up I would like to know how this can get resolved to be at peace of mind for myself. I'm exhausted after four years of being patient.

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 monetary relief