vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: CA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Contacted company to report that my name, address and employer were incorrect and there's been no action. My personal information ( eg : name and address ) should be reported as stated on my Driver 's License which is included in this complaint for identify purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/year>, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, OH XXXX OAK XXXX XXXX XXXX XXXX XXXX, OH XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/2024, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, OH XXXX OAK XXXX XXXX XXXX XXXX XXXX OH XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: LEXISNEXIS
State: MI

Complaint narrative:
This company has been willingly and knowingly, reporting misinformation on my credit report. The following information needs to be removed from my credit report, because this misinformation is violating my Rights as a federally protected consumer NAME VARIATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS RECORDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX This information must be removed from my consumer report pursuant 15 USC 1681E accuracy of reporting. 

These misspelled variations are lawfully defined as aliases only the name XXXX XXXX should be present on my consumer report. Everything else must be deleted. The address that I give permission to be on my consumer report is XXXX XXXX XXXX XXXX every other address associated with this consumer report must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I purchased 2 airline tickets from XXXX XXXX  using my AMEX card on XXXX, XXXX 
One ticket for XXXXXXXX XXXX XXXX, the second for XXXX XXXX XXXX 
right after the purchase I checked my AMEX account to see the charges in US Dollars, I realized that AMEX applied and old exchange rate of XXXX XXXX XXXX XXXX XXXX instead of the new official rate from the XXXX XXXX XXXXXXXX XXXX which was XXXXXXXX XXXX XXXX = XXXX XXXX XXXX 
I immediately called AMEX and talked to an agent XXXX XXXX who assured me that the exchange rate will be corrected once the transaction is processed usually within 24 to 48 hours. 

I was charged XXXXXXXX XXXX instead of the correct charge of XXXXXXXX XXXX for one ticket for an overcharge of XXXX in one ticket, based on the official XXXX XXXX XXXX exchange rate for that day. 
I was also charged XXXX for the second ticket instead of the correct amount of XXXXXXXX XXXX for an overcharge of XXXX XXXX based on the XXXXXXXX XXXX XXXX XXXXXXXX official exchange rate. 
I have tried to resolve the issue on multiple conversations with agents on XXXXXXXX XXXX XXXX  and on XXXX, XXXX, XXXX  with no resolution. 
I was advised to dispute the charges, even though I informed the agent that the charges are all correct in XXXX XXXX, that my issue is not with the merchant, but with the exchange rate that AMEX was used, So I filed dispute XXXX, and XXXX, Of Course XXXX confirmed the charges XXXX which is true since all the charges in XXXX XXXX were correct I finally talked to a supervisor XXXX XXXX on XX/XX/2024 who totally understood the problem and he asked me to drop my dispute of the charges and file a complaint with AMEX instead, since this was and American Express internal issue and not a merchant dispute. 
He promised me to start an investigation and clear the issue within 2 weeks. 
I paid all the charges because I was concerned about my excellent credit score, Unfortunately AMEX is refusing to refund me the difference go XXXXXXXX XXXX  for both tickets. 
Your are my last resort,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NY

Complaint narrative:
It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that TransUnion and XXXX show that I have a 30 day late payment when XXXX is showing two. However, I am certain that I made ALL my payments on-time.

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 2024-05-12 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:
It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that XXXX and Equifax show that I have a 30 day late payment when XXXX is showing two. However, I am certain that I made ALL my payments on-time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: SC

Complaint narrative:
On XX/XX/year> I reviewed a copy of my consumer report and I could not believe what I saw. There are 2 fraudulent accounts furnished on my report. I notified the FTC immediately because I am a victim of I identity theft. The data furnisher do not have any contracts bearing my wet ink signature. I requested an investigation into this matter because of the damage it is causing me. According to 15 USC 1681 Consumer reporting agencies are obligated to conduct a fair and reasonable investigation into the validity of these accounts. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX. I do not know how these people got my information but it is a violation of my rights to furnished inaccurate information about me to a consumer reporting agency. I have included an updated copy of my license as well as a copy of the FTC compliant. I am contacting you through the CFPB because I need all the help I can get fixing the things that these companies has falsely reported about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: NY

Complaint narrative:
It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that XXXX and XXXX show that I have a 30 day late payment when Experian is showing two. However, I am certain that I made ALL my payments on-time.

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 2024-05-12 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: LEXISNEXIS
State: MI

Complaint narrative:
This company has been willingly and knowingly, reporting misinformation on my credit report. The following information needs to be removed from my credit report, because this misinformation is violating my Rights as a federally protected consumer NAME VARIATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS RECORDS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX 2011 XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX This information must be removed from my consumer report pursuant 15 USC 1681E accuracy of reporting. 

These misspelled variations are lawfully defined as aliases only the name XXXX XXXX should be present on my consumer report. Everything else must be deleted. The address that I give permission to be on my consumer report is XXXX XXXX XXXX XXXX every other address associated with this consumer report must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: ID Analytics, Inc.
State: MI

Complaint narrative:
This company has been willingly and knowingly, reporting misinformation on my credit report. The following information needs to be removed from my credit report, because this misinformation is violating my Rights as a federally protected consumer NAME VARIATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS RECORDS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX This information must be removed from my consumer report pursuant 15 USC 1681E accuracy of reporting.

These misspelled variations are lawfully defined as aliases only the name XXXX XXXX should be present on my consumer report. Everything else must be deleted. The address that I give permission to be on my consumer report is XXXX XXXX  XXXX XXXX  every other address associated with this consumer report must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TN

Complaint narrative:
XX/XX/2024 I tried to remove hard inquiries off my credit report with XXXX I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!

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 2024-05-12 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: TN

Complaint narrative:
XX/XX/year> I tried to remove hard inquiries off my credit report with XXXX I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!

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 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The inquiries on my credit reports, XXXX  XXXX, TransUnion I have no knowledge of.. U.S.C. 15 1662 15 U.S.C. 1681 states that any inquiries soft or hard or collections on my credit report from any major 3 bureaus without my written consent or me notifying you verbally shall come off until a full and complete investigation is done.. I would like all inquiries from each bureaus to be erased or I will seek further damages that are greater than a {$1000.00}

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 2024-05-12 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: NY

Complaint narrative:
Based on the apparent inaccuracies shown in the enclosed credit report, it is evident that these companies have reported my data falsely. 
Please note that Experian is reporting a 60 day late payment, while there is no 30 day late payment ever. 
Also XXXX and XXXX both show a 30 day late payment and a 60 day late payment. I am very certain that my payments were always made in full and on-time.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
the same account item is being reported multiple times on my credit reports which is causing me harm. The law provides that any incorrect information be deleted immediately under the FCRA. This is incorrect information and all should be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: SC

Complaint narrative:
On XX/XX/2024 I reviewed a copy of my consumer report and I could not believe what I saw. There are 2 fraudulent accounts furnished on my report. I notified the FTC immediately because I am a victim of I identity theft. The data furnisher do not have any contracts bearing my wet ink signature. I requested an investigation into this matter because of the damage it is causing me. According to 15 USC 1681 Consumer reporting agencies are obligated to conduct a fair and reasonable investigation into the validity of these accounts. XXXX XXXX XXXX and XXXXXXXX XXXX XXXXt. I do not know how these people got my information but it is a violation of my rights to furnished inaccurate information about me to a consumer reporting agency. I have included an updated copy of my license as well as a copy of the FTC compliant. I am contacting you through the CFPB because I need all the help I can get fixing the things that these companies has falsely reported about me.

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 2024-05-12 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: SC

Complaint narrative:
On XX/XX/year> I reviewed a copy of my consumer report and I could not believe what I saw. There are 2 fraudulent accounts furnished on my report. I notified the FTC immediately because I am a victim of I identity theft. The data furnisher do not have any contracts bearing my wet ink signature. I requested an investigation into this matter because of the damage it is causing me. According to 15 USC 1681 Consumer reporting agencies are obligated to conduct a fair and reasonable investigation into the validity of these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX I do not know how these people got my information but it is a violation of my rights to furnished inaccurate information about me to a consumer reporting agency. I have included an updated copy of my license as well as a copy of the FTC compliant. I am contacting you through the CFPB because I need all the help I can get fixing the things that these companies has falsely reported about me.

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 2024-05-12 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: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-05-12 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: CA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: NV

Complaint narrative:
the same account item is being reported multiple times on my credit reports which is causing me harm. The law provides that any incorrect information be deleted immediately under the FCRA. This is incorrect information and all should be deleted 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 non-monetary relief