vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Unauthorized accounts appear on my credit report. Kindly ensure they are blocked and removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The company is Wells Fargo. The amount is {$6300.00} from a credit card that I submitted for fraud. I was working with an internal security rep named XXXX XXXX. The account was closed, but the amount is still present negatively affecting my credit score.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Unauthorized hard inquiries on my credit report are inaccurate. Kindly remove them in line with 15 USC 16c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I, XXXX XXXX, have authorized a dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit report. These violations include errors in the reporting of late payments, inaccuracies in debt validation, and unauthorized hard inquiries. I identified multiple instances where credit reporting agencies or debt XXXX failed to comply with regulations, such as not verifying the accuracy of credit information, failing to disclose my right to opt out of sharing my personal information, and not properly validating debts. These errors have caused harm, including unnecessary creditor contact and distress. 

I have requested immediate action to correct these issues, including the removal of inaccurate late payments, the validation of debts by debt XXXX, and the deletion of unauthorized hard inquiries from my credit report. Additionally, I cited specific violations of the FCRA and requested compliance with relevant sections of the law, such as 15 U.S.C. 1692g, which mandates that debt XXXX validate any alleged debts before continuing collections. 

If these issues are not resolved promptly, I plan to pursue legal action under the FCRA to enforce my rights and seek potential remedies for these violations.

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I received confirmation from the company via CFPB that they cleared up the miscommunication with my dispute. However they did not. As of today my account with a company Zip pay, who i had previous good standing with, is still locked due to this dispute. I have reached out to Zip and was informed once the dispute issue was cleared on the credit card companies end they would release the lock on my account. It is XX/XX/year> and as of now the account remains locked due to Indigo not following through with the promise made in complaint XXXX. Due to this I have my reputation and good standing have been damaged. I have also lost opportunities for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
I have submitted multiple requests to this company to review their records and have sent them verification that the balance they are attempting to collect has already been paid. The company replied, stating that " the consumers statements are for the XXXX XXXX XXXX, not the XXXX XXXX. '' However, I emailed them on XX/XX/XXXX, providing clear evidence that this toll was paid for the XXXX XXXX, as shown on my XXXX XXXX XXXX  account. I also highlighted that the timestamps align with the charges listed on the invoice they provided. As demonstrated multiple times, this balance has already been paid, and I should not be required to pay it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-11-20 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: CO

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/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 2024-11-20 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: FL

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

Company 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 2024-11-20 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: NY

Complaint narrative:
I found late payment errors on my credit report that are inconsistent with my payment habits. Please review and correct these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NV

Complaint narrative:
I normally use XXXX to transfer money between my XXXX bank account and my Discover account on almost a daily basis. I have NEVER had an issue doing this until today/yesterday where I transferred {$800.00} from my XXXX debit card to my Discover debit card. XXXX confirmed the money was sent instantly, as it has been in the 50+ previous transactions. 

I received an email from Discover at XXXX XX/XX/year> that they received the {$800.00} payment and it will be " immediately deposited into my account. '' The money did not get deposited. I called Discover and they said they " see it in another system however it was sent by XXXX XXXX XXXX and should be there next day. '' Here we are XXXX XXXX the next day and the funds are still missing. I sent two other financial transactions out of that same account to two other bank accounts and those funds arrived, however Discover is not giving me my money, without reason. 

THIS IS SCARY! This is unbelievably scary that Discover is doing this. They are literally STEALING and holding people 's deposits without cause. Please investigate Discover for this type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
this letter serves as my formal response to your correspondence dated XX/XX/year>, regarding my complaint under Case # XXXX. I am writing to reiterate my concerns and demand immediate enforcement of my rights under federal laws, including the Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ). 

Violations of Privacy and Reporting Obligations Under 15 U.S.C. 68016809 ( GLBA ) and 12 U.S.C. 34013422 ( RFPA ), financial institutions are mandated to ensure the security, confidentiality, and proper handling of nonpublic personal information. Based on your correspondence and my ongoing concerns, I have identified the following critical violations : Unauthorized Sharing of Information : Nonpublic personal information was shared with non-affiliated third parties without my explicit consent, in violation of 15 U.S.C. 6802. 
Inaccurate Credit Reporting : Accounts reflect charge-offs and other derogatory information that are both incorrect and damaging. 
Failure to Honor Opt-Out Request : My formal opt-out request regarding the sharing of nonpublic information has been disregarded, violating 16 CFR 313.1 and 16 CFR 313.7. 
Demand for Immediate Resolution To rectify these violations, I demand the following actions :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NJ

Complaint narrative:
this letter serves as my formal response to your correspondence dated XX/XX/year>, regarding my complaint under Case # XXXX. I am writing to reiterate my concerns and demand immediate enforcement of my rights under federal laws, including the Gramm-Leach-Bliley Act ( GLBA ) and the Right to Financial Privacy Act ( RFPA ). 

Violations of Privacy and Reporting Obligations Under 15 U.S.C. 68016809 ( GLBA ) and 12 U.S.C. 34013422 ( RFPA ), financial institutions are mandated to ensure the security, confidentiality, and proper handling of nonpublic personal information. Based on your correspondence and my ongoing concerns, I have identified the following critical violations : Unauthorized Sharing of Information : Nonpublic personal information was shared with non-affiliated third parties without my explicit consent, in violation of 15 U.S.C. 6802. 
Inaccurate Credit Reporting : Accounts reflect charge-offs and other derogatory information that are both incorrect and damaging. 
Failure to Honor Opt-Out Request : My formal opt-out request regarding the sharing of nonpublic information has been disregarded, violating 16 CFR 313.1 and 16 CFR 313.7. 
Demand for Immediate Resolution To rectify these violations, I demand the following actions :

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I received notification that a late payment was reported to my credit report. XXXX took a hit more than XXXX and XXXX XXXX. I contacted the lender Honda Financial Services XX/XX/XXXX and the representative said I dont show no late payments on their end and that they didnt report a late payment to which I stated thats credit reports show Honda financial as the reporting lender. The representative sent me a copy of my payment history stating I was never late more than XXXX days. My car was declared total by insurance. 
XXXX financial received payment : XX/XX/XXXX XXXX payment due XX/XX/XXXX XXXX warranty refund XX/XX/XXXX XXXX XXXX insurance pay XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-11-20 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC XXXX, I am requesting their removal within XXXX days. Attached are the relevant documents for your review and reference.

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 2024-11-20 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: WA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-11-20 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: WA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Some one signed up for XXXX under my name but with a different address but it wasnt me and I keep disputing it with experian but they keep denying me and leaving it 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 explanation