vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: LA

Complaint narrative:
I was incarcerated from year XXXX - XXXX. I have never applied nor received any stimulus, XXXX XXXX, filed taxes, or applied for credit. However my credit report reflects otherwise. Its XXXX. I have filed report after report with no response from anyone.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-11 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: AL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT.I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT.PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXX MILESTONE XX/XX/XXXX CONSUMER PORTFOLIO SERV XX/XX/XXXX CREDIT ACCEPT XXXX CAC XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX for additional verification.

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 2024-11-11 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:
Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX for additional verification.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On numerous occasions, I reached out to Transunion regarding inaccurate information reported on my credit profile. I filed disputes directly on their website, sent dispute letters via mail, and even authorized a third party to dispute on my behalf, all to no avail. transunion blocked and refused all attempts to verify the information on my file. When I attempted to file a dispute online as instructed, I received an error message indicating that this account had been disputed in the past. Despite sending disputes through certified mail to transunion, I have never received any communication or updates regarding my disputes, nor has my credit report been updated. When I authorized a third-party agency to dispute the negative accounts, transunion outright refused to conduct an investigation or verify the inaccurately reported accounts in my file. As a result, transunion has allowed debt collectors and companies with whom I have never done business to obtain copies of my report without my permission. These entities are reporting false and misleading information on my report, and transunion has refused my requests to investigate. They have also neglected to provide documentation explaining how the debts were verified, and they are blocking my access on their site to file disputes for these incorrectly reported accounts. Furthermore, they have failed to send documentation by mail detailing the results of these investigations and how they were verified with creditors. Recently, I discovered from a loan company that transunion has been selling my personal information to creditors without my consent or knowledge. This constitutes multiple violations of the law and my rights as a consumer.

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 2024-11-11 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: FL

Complaint narrative:
Upon checking my credit report, I have discovered fraudulent hard inquiries, they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Delete these hard inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: WV

Complaint narrative:
I am a victim of identity theft. I flied a report with identitytheft.org. I have XXXX accounts on my credit reports with XXXX, XXXX, and Equifax. They deleted XXXX of the fraudulent accounts with XXXX that was on my report because they found that they were NOT mine. 

There are XXXX left and I have provided numerous articles of information that they have requested and they will not remove them. Now, if you found that the other XXXX accounts were fraudulent then how are the other XXXX mine? I have never dealt with XXXX. 

These accounts MUST be removed from my credit report. I have filed identity theft reports with the FTC and IRS. 

I am requesting a " block of information resulting from identity theft pursuant to section 605b of the Fair Credit Reporting Act ''

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

Complaint narrative:
Upon checking my credit report, I have discovered fraudulent hard inquiry, it is XXXX XXXX XXXX I XX/XX/year>

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

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT.I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRIES ARE FRAUDULENT.PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Company has failed to verify debt and sold debt to an unknown and unauthorized party without consent. The Third party has infringed on my privacy rights to threatening to sue. Legal action is in progress and there has been no changes or updates to credit reports. There has been several consumer violations and this account should be removed immediately. Violations include 15 USC 1692 ( g ), 15 USC 1692 ( c ), 15 USC 1666 ( b ), 15 USC 1666 ( a ), 15 USC 1681 ( a ) 4, 15 USC 1681 ( e ), FCRA 609 ( a ), FCRA 611 ( a ), UCC 1-203. Experian refused to remove after items that has disputed several times. This is fraud. The balance on this accounts have been paid in full by insurance and has been duplicated on my credit report. I have never received a 1099c for any of these charge off accounts. The companys are 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 explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove froudulent inquires from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to request the removal of the following incorrect addresses from my consumer report. These entries are inaccurate and do not pertain to me : Subject : Request to Remove Incorrect Names and Addresses and Update Correct Name and Address on Consumer Report I am writing to request the removal of the following incorrect names and addresses from my consumer report and to update my correct name and address. The incorrect entries are as follows : Incorrect Names : XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX PAGE XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PAGE XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX Incorrect Addresses : XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Correct name and address is XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I request that you investigate these inaccuracies and promptly remove the incorrect addresses and name 's from my consumer report. Please ensure that only accurate and up-to-date information is reflected in your records. 

Thank you for your attention to this matter. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Since XX/XX/year>, I have been receiving miscellaneous fees. 
The most prominent is a returned check fee. 
My charges will pend for prolonged periods of time eventually leading to this occurrence. 
I have contacted XXXX XXXX in the past concerning fees and pending transactions but nothing came of it. I have no other issues but Im paying XXXX XXXX  every week or so just in fees because of this and have been since the stated date. Im not stating its exactly accurate but quick math has that around XXXX XXXXXXXX in fees in the last XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over XXXX XXXX XXXX  Your failure to respond or provide validation within the required timeframe violates federal law.

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 2024-11-11 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to request the removal of the following incorrect addresses from my consumer report. These entries are inaccurate and do not pertain to me : Subject : Request to Remove Incorrect Names and Addresses and Update Correct Name and Address on Consumer Report I am writing to request the removal of the following incorrect names and addresses from my consumer report and to update my correct name and address. The incorrect entries are as follows : Incorrect Names : XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX PAGE XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PAGE XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX Incorrect Addresses : XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Correct name and address is XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I request that you investigate these inaccuracies and promptly remove the incorrect addresses and name 's from my consumer report. Please ensure that only accurate and up-to-date information is reflected in your records. 

Thank you for your attention to this matter. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information.

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 2024-11-11 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to request the removal of the following incorrect addresses from my consumer report. These entries are inaccurate and do not pertain to me : Subject : Request to Remove Incorrect Names and Addresses and Update Correct Name and Address on Consumer Report I am writing to request the removal of the following incorrect names and addresses from my consumer report and to update my correct name and address. The incorrect entries are as follows : Incorrect Names : XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX PAGE XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PAGE XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX Incorrect Addresses : XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Correct name and address is XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I request that you investigate these inaccuracies and promptly remove the incorrect addresses and name 's from my consumer report. Please ensure that only accurate and up-to-date information is reflected in your records. 

Thank you for your attention to this matter. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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