vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I submitted several notices to EQUIFAX for the removal of a public record that is not mine. XXXX has attempted to reach them as well to have them remove it and EQUIFAX refused to respond to them. They have caused me grave financial danger by way of intentionally misreporting inaccurate information. This is egregious behavior and a direct violation of Title 15 s.1681 ( a ) ( 1 ), 15 USC 1681 ( a ) ( 3 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( 3 ) ( L ) ( e ), 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) and 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ). It appears that EQUIFAX is attempting to undermine Congress, FCRA, CFPB and the UNITED STATES CODES. I sent a similar complaint through the CFPB several months ago with documented evidence of my claim, XXXX & XXXX complied. EQUIFAX has not sent any documentation nor have they removed the item from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
On XX/XX/year> XXXX, transunion, and XXXX were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting 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
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
On XX/XX/2024 XXXX, XXXX, and equifax were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because I am rightfully exercising my rights in good faith under the Fair Credit Reporting Act. I have recently discovered as of XX/XX/XXXX, that there are to companies in my credit report and consumer reports that have illegally re-aged the account I had in connection with these companies. Both these companies are XXXX XXXX and XXXX XXXX. I have filed an FTC report regarding these accounts for fraud. This are inaccurately reporting on my consumer reports and are damaging my credit reputation due to incomplete information and the re-aging of the account associated with these companies. The date of last activity for XXXX XXXX report as account number : XXXX TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, account number : XXXX Dates of last activity for TRANSUNION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX This account has not been paid since XX/XX/XXXX, and XXXX XXXX account number : dates of last activity are for TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. The last payment made on this account was in XX/XX/XXXX. These companies are in violation of 15 USC 1681s-2 ( a ), FCRA Section 605 for Identity Fraud, and 18 USC 1001 . Block and remove these accounts. Delete these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my Equifax credit report and found discrepancies in the information provided. I can assure you that the information in question is inaccurate, and it is negatively impacting my creditworthiness. 

I am requesting a thorough investigation into this matter and urge you to correct the inaccuracies promptly. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I expect this issue to be resolved within the timeframe stipulated by law. 

Following Accounts are not accurate : XXXX ) XXXX XXXX XXXX - Account Number XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've consistently maintained timely payments on this account, never allowing them to fall overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Experian credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent account continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my Experian credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: Self Financial Inc.
State: SC

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: LA

Complaint narrative:
AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO 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 2024-04-10 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: IL

Complaint narrative:
FCRA 605B might mean we got ta delete the wrong stuff from my credit report. Can you check if the papers match? Some accounts listed have wrong info about what happened and when it happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX Dear Experian I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/year> MY ONLY EMPLOYER IS : XXXX XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. I HAVE ATTACHED MY IDENTIFICATION CARD AS WELL AS A RECENT COPY OF MY ( BANK STATEMENT, UTILITY BILL, ID ) FOR YOUR VERIFICATION. 

Please send me a new report when you are completed so I may continue to verify its accuracy. 


Best Regards, XXXX XXXX XXXX Experian Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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:
This is to express my deep dissatisfaction and frustration and to follow up with the continued failure to remove fraudulent items from my accounts, despite multiple attemptsthis being the many timesto address this issue. 

As a conscientious customer, I have diligently reported the fraudulent activities on my accounts and have provided all necessary documentation to support the investigation and removal process. However, the lack of progress and repeated oversights are both unacceptable and detrimental to my financial well-being. It is imperative that immediate action is taken to rectify this matter without further delay. 

Failure to address these concerns in a timely and satisfactory manner will leave me with no choice but to escalate this matter further, including seeking legal recourse and reporting the issue to the relevant regulatory authorities. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I am writing to complain about an unauthorized credit inquiry that appears on my credit report. The details of the unauthorized inquiry are as follows : XXXX ) XXXX  XXXX XXXX - Inquire Dated XX/XX/XXXX XXXX ) XXXX XXXX  - Inquire Dated XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX- Inquire Dated XX/XX/XXXX XXXX ) XXXX - Inquire Dated - XX/XX/XXXX XXXX ) XXXX XXXX  - Inquiry Dated - XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX - Inquiry Dated XX/XX/XXXX XXXX ) XXXX XXXX inquiry Dated - XX/XX/XXXX I have thoroughly reviewed my credit report and have confirmed that I did not authorize this inquiry. As such, I am formally requesting its immediate removal from my credit report. 

Unauthorized credit inquiries can negatively impact an individual 's credit score and overall financial standing. Therefore, it is crucial that this matter is addressed promptly and resolved to ensure the accuracy and integrity of 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
Consumer complaint received 2024-04-10 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
when i looked at my citi business card balance i noticed a {$59.00} charge from a company i have never heard of or done business with posted on XX/XX/XXXX. when i tried to dispute citi gave me a secondary box leading me to believe it was a monthly recurring charge and then gave me an error message when i click dispute. when i call citi on the number on the back of this card someone answered and asked what the issue was which was a charge dispute he then told me i was not in the business card department and transferred me to a new que with a XXXX minute wait. and did not assist me nore was i able to submit my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Someone used my identity to open a savings account at Marcus by Goldman Sachs bank. They opened it on XX/XX/year> and deposited {$1.00} into it. I found out because I got a statement letter in the mail. I called Marcus bank immediately and spoke to XXXX different people who were extremely unhelpful and would not give me any information about how someone opened the account or what information was used to verify my identity. They told me they would not give me any information unless I send them in the mail a police report, FTC report, and written request for information. They clearly lack competency and rigorous standards for preventing identity theft. I asked them to close my account immediately. I am extremely dissatisfied with the way they handle fraud and the lenient standards they keep for allowing people to open accounts.

Company response to consumer: Closed with explanation