vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: IN

Complaint narrative:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. Credit reporting agencies have assumed a vital role to report accurate Consumer information.The credit bureaus stated my account was properly investigated, but how was that possible if there are inaccuracy with dates and balance amounts and address for Creditor XXXX XXXX XXXX. 

This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602 states I have the right to privacy 15 US C1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions USC 1681C85 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 USC 1681S ( 2A ) 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. 

Also, XXXX credit bureau took more than 30 days to complete my previous investigation with this manor

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. Credit reporting agencies have assumed a vital role to report accurate Consumer information.The credit bureaus stated my account was properly investigated, but how was that possible if there are inaccuracy with dates and balance amounts and address for Creditor XXXX XXXX XXXX. 

This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602 states I have the right to privacy 15 US C1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions USC 1681C85 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 USC 1681S ( 2A ) 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. 

Also, XXXX credit bureau took more than 30 days to complete my previous investigation with this manor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: CT

Complaint narrative:
Subject : Continued Dispute of XXXX  XXXX on Credit Report Current Dispute File number : XXXX TO WHOM IT MAY SINCERELY CONCERN : I am writing to dispute the following information in my file. 

This XXXX XXXX Bankruptcy is out of compliance as you can see that it has exceeded the maximum 7 years of punishment allotted. The XXXX  XXXX was filed on XX/XX/XXXX that will mark 8 years two months to the date. I am requesting that this item be removed from my credit profile. 

Enclosed is documentation supporting my request : [ describe the documents youre sending, for instance : my credit report, with the disputed items circled. 

Additionally, I have concerns as XXXX was impacted by a serious security breach that according to XXXX 's Maine Attorney General has put at risk sensitive information of 14.6 million individuals. 

Please investigate this matter and remove outdated information. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX REFERENCE NUMBER : XXXX DATE FILED : XXXX. XXXX, XXXX DATE DISCHARGED : XX/XX/XXXX CLASSIFICATION & TYPE : BANKRUPTCY, XXXX  XXXX XXXX XXXX REPORTED : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-02-13 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: MA

Complaint narrative:
I sent a letter XX/XX/2024 Equifax and XXXX. Tracking numbers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureaus completed the investigation and stated the accounts were 100 % accurate and this is not true. 

According to the law 15 U.S code 1681a- Definitions rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information, shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumers or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke to. 

How did they complete this investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XX/XX/24 WestLake Financial called 7 times in one day all calls were within less than one hour of each other. They called only once on Saturday and Sunday. During the week the calls range from XXXX  at the minimum to XXXX  and they call twice within an hour from a different XXXX XXXX number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: DISCOVER BANK
State: MN

Complaint narrative:
The account was opened fraudulently. The company has falsely verified information based on the email address and phone number when both sets of information, including my social security number, have been compromised for years and are on the dark web, according to XXXX. So my email address with the password, phone number, social security number, and possibly address are on the DARK WEB ; attached is proof. I have filed a police report and FTC report and obtained notification from XXXX verifying that others have received and used the information on the dark web. Even my bank account was compromised, and fortunately, my credit union addressed this appropriately, unlike Discover, which continues to ignore the identity theft that was demonstrated and applies the consequences to the victim ( myself ) instead of removing the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I noticed that this debt was on my credit report, I have NEVER had service or anything with at & t in the XXXX years ive been alive!!!!!!!!!!!!!!

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 2024-02-13 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: GA

Complaint narrative:
I have reviewed my report for the 3rd time. I submitted a letter to Experian on XX/XX/year>. Now I'm reaching out again regarding errors and misleading information on my credit report. It's been over 30 days since my initial inquiry, as required by the Fair Credit Reporting Act ( FCRA ), and I've yet to receive a response. This is my third attempt to address this matter. The lack of action is causing significant distress, which goes against the FCRA 's requirement for timely investigation of disputes, as outlined in Section 611 ( a ). Since this timeframe has passed without any investigation or response, I am requesting the immediate removal of the disputed items from my credit report, in accordance with the FCRA.

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 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Hello Sir /Madam My name is XXXX XXXX and I thought you guys might be able to solve this issue for me! My credit score was hurt really bad after this company reported invalid charges on me for a story happened 2 years a go and without even contacting me or at least try to communicate with me about the issue, instead they decided to report these charges to credit score company and my score was dropped from XXXX to XXXX this is a big harm to my credit! Im type of person never missed any payments on anything with very good credit history but i was really affected by this unfair situation i find myself in. The short story is that I purchased the phone back in XX/XX/year> from XXXX XXXX XXXX and this phone was returned to XXXX XXXX XXXX via return label was issued by XXXX XXXX XXXX after contacting them about the return process the return tracking number, XXXX # XXXX. Now after XXXX years without contacting me, I was shocked yesterday thats my credit score went down XXXX points because of this company reported me to experian credit score. This unfair and i feel oppressed by this company! 

Account number in this company : XXXX Thanks and regards for giving me the opportunity to explain my situation XXXX XXXX Phone Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX, an unauthorized wire transfer {$32000.00} appeared on my saving account. According to Chase employee, someone with my fake ID went to one of Chase branch and initiated this transfer. Chase started a case with number XXXX. But Chase fails to recall the money and wants to close the case without taking responsibility and reimbursing my loss. 
Besides, I already report to local police in XXXX, IL and got case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2024-02-13 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: FL

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/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 2024-02-13 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: IL

Complaint narrative:
I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: DISCOVER BANK
State: AZ

Complaint narrative:
On XXXX, XXXX  and XX/XX/2024, Discover Financial Services made an unauthorized " hard inquiry '' from all XXXX major credit reporting agencies. I asked that the hard inquiry be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: MN

Complaint narrative:
The account was opened fraudulently. The company has falsely verified information based on the email address and phone number when both sets of information, including my social security number, have been compromised for years and are on the dark web, according to Transunion. So my email address with the password, phone number, social security number, and possibly address are on the DARK WEB ; attached is proof. I have filed a police report and FTC report and obtained notification from Transunion verifying that others have received and used the information on the dark web. Even my bank account was compromised, and fortunately, my credit union addressed this appropriately, unlike XXXX, which continues to ignore the identity theft that was demonstrated and applies the consequences to the victim ( myself ) instead of removing the account 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 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX letter from XXXX XXXX Bank, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Decision about your credit card account application # Dear # # # # : We're writing to let you know we are unable to approve your credit card account application for the following reasons : * No non-authorized user bank cards reported ( We look at the mix of credit you have ) I complained to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX that this reason makes no sense and should be considered favorable I have no authorized nor unauthorized user bank cards. 
Additionally, reason is grammatically wrong and should be deleted. 
XXXX XXXX agreed it was a typo and could not explain error but refused to delete as a reason to deny 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 2024-02-13 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: AL

Complaint narrative:
I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to Experian on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if XXXX different reporting companies are reporting different information for the alleged account? I have not heard a response from Experian. 
I have also informed Experian that I did not authorize Inquiries that are reporting.

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 2024-02-13 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:
I have contacted trans union about this account. They sent a letter twice that this account was removed but it is still reflecting on my credit report.Trans Union reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

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