vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-10-10 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: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
Unauthorized Inquiries : All these accounts appear to be applications for auto financing. I did not give permissible purpose to anybody nor company to run my credit report. Please provide proof or delete unverifiable inquires from my report. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
At the last week of XX/XX/year>, I found out that my credit card statement had shown serval transactions XXXX XXXX XXXX {$400.00} XXXX {$100.00}, XXXX  XXXX XXXX # XXXX {$410.00}, XXXX {$400.00}, XXXX XXXX {$15.00}, XXXX XXXX # XXXX {$400.00}, XXXX XXXX {$150.00}, XXXX {$350.00}, XXXX {$400.00}, XXXX {$130.00}, totally of {$2700.00} so I called to dispute those transactions, which the bank had taken those from my balance, but then in XXXX the bank has had transferred those transactions back to my credit card balance and they told me that those purchasing made by credit card representing and chip on credit can not be clone, therefore I was the one who made those transactions have to responsibility for those transaction. I went to XXXX of Truist Bank branches and talked to XXXX of the bankers, and they agreed that I shouldn't be responsible for those transactions that I didn't make it, but they can not help me. So, I am hopeless to find someone to help from Truist Bank. The bank is continuing charges higher interest each month. I really do need help because it is unfair for me to pay for something I didn't purchase. 

Best Regards, 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 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2024-10-10 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:
Subject : Refusal to Pay and Dispute of Alleged Debt Account/Reference Number : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to inform you that I am refusing to pay the alleged debt referenced above, and I am invoking my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a formal refusal to pay the debt and a demand that you cease any further communication with me regarding this matter.

FDCPA - Cease Communication ( 15 U.S.C. 1692c ( c ) ) Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease communication, the collector must stop all communication except for notices allowed under the law, such as : To advise that your collection efforts are being terminated. 

To notify me of any specific legal actions you intend to pursue against me. 

Any further communication beyond what is legally allowed will be considered a violation of the FDCPA, and I will take appropriate action, including reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

FCRA - Dispute of Debt and Reporting In addition to the refusal to pay, I am disputing the validity of this debt as it has been reported to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I demand that you : Immediately cease reporting this debt to any credit reporting agencies until it is fully verified. 

Ensure that, if you continue to report this debt, it is marked as disputed in accordance with FCRA regulations. 

Investigate and validate this debt, providing all evidence to substantiate your claim. 
If you are unable to provide verification and validation of the alleged debt within the statutory timeframe, I expect the debt to be removed from my credit report as required by the FCRA. 

Legal Actions and Further Steps Please take notice that I reserve my right to pursue all legal remedies available to me should you fail to comply with this letter or violate my rights under the FDCPA or FCRA. 

I am keeping a detailed record of all correspondence regarding this matter and will not hesitate to escalate the issue if necessary. 

This letter should also serve as a formal request to cease all communication regarding the alleged debt at once. You may only contact me under the limited circumstances permitted by law as outlined above. 

Thank you for your attention to this matter. I expect prompt action on your part in accordance with federal law. 


Sincerely, 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 2024-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Account number XXXX is a checking account for XXXX XXXX XXXX. 

The bank refuses to release my money and/or give me a reason as to why there is a " fraud '' investigation ongoing. In fact, they will not let me communicate with their fraud department, only stating the fraud department will call me back, which they never do. 

All I did was open a new account a few weeks ago. Due to the fact I did not know there would be a hold, a check bounced. I got information today my account was now available but when I tried to make a XXXX food purchase it was declined. 

Everbank refuses to let me speak with anybody other than a customer service representative that will only tell me they are sorry and somebody will call me back. The funds have long cleared and I was not even trying to make anything other than a {$10.00} purchase. 

When I called the customer service number, which I recorded, it states I have " AN AVAILABLE BALANCE '' in excess of {$3400.00} This bank is not only refusing to provide me with my lawful funds, they refuse to even communicate with me about the matter, other than through a customer service representative that can't even give me a contact name. 

NO funds have been made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, 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 2024-10-10 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX  XXXX | XXXX | XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Experian multiple times regarding these fraudulent accounts on my credit report, and no solution has been provided. I am deeply affected as I can not purchase a new home for my children. These collections were removed and unverified by other bureaus, yet Experian continues to insist that these accounts are mine. Therefore, I request all documentation proving this information is accurate. I have requested a response from this company, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, 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 2024-10-10 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX | XXXX | XX/XX/XXXX Inquiries XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Experian multiple times regarding these fraudulent accounts on my credit report, and no solution has been provided. I am deeply affected as I can not purchase a new home for my children. These collections were removed and unverified by other bureaus, yet Experian continues to insist that these accounts are mine. Therefore, I request all documentation proving this information is accurate. I have requested a response from this company, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, 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