vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: NC

Complaint narrative:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE ACCOUNTS THAT I HAVE NOT OPENED WITH ANY OF THESE AGENCIES. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. 

XXXX # XXXX - {$13000.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. THIS ACCOUNT IS NOT MINE. 1099C NEVER FILED AND CLAIMED AS BAD DEBT BECAUSE ACCOUNT IS FRAUDE TD XXXX XXXX # XXXX {$3600.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. COMPANY FAILED TO PROVIDE WET INK SIGNATURE CONTRACT PURSUANT TO SECTION 609A OF THE FCRA. 
XXXX XXXX XXXX # XXXX {$19000.00} THIS ACCOUNT IS FRAUD, SECTION 605B REQUIRES TO PROMPTLY DELETE WITHIN 4 BUSINESS DAYS. COMPANY FAILED TO PROVED WET INK SIGNATURE CONTRACT. NO 1099C FILED TO CLAIM AS BAD DEBT BECAUSE ACCOUNT IS FRAUD. XXXX XXXX XXXX IS NOW COMMITTING FRAUD. 
MERCHANTS ACCEPTANCE # XXXX {$4000.00} THIS ACCOUNT IS INVOLVED IN LITITGATION XXXX 
XXXX XXXX XXXX # XXXX THIS ACCOUNT IS INVOLVED IN LITIGATION. 
XXXX XXXX XXXX  # XXXX - {$550.00} THIS ACCOUNT IS FRAUDULENT, DELETE WITHIN XXXX BUSINESS DAYS XXXX XXXX  # XXXX XXXX THIS ACCOUNT IS INVOLVED IN LITITGATION. THIS ACCOUNT IS NOT MINE. THIS ACCOUNT WAS CHARGED OFF. 1099C NEVER FILED ON CREDITOR TAX RETURN WHICH IS FRAUD. CREDITOR CAN NOT PROVIDE COPY OF WET INK SIGNATURE CONTRACT

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 2024-12-15 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: NC

Complaint narrative:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND THERE IS MULTIPLE ACCOUNTS THAT I HAVE NOT OPENED WITH ANY OF THESE AGENCIES. I HAVE CONTACTED EACH COMPANY WHO FAILED TO PROVIDE ANY ORIGINAL WET INK SIGNATURE CONTRACT ACCORDING TO SECTION 609A OF THE FAIR CREDIT REPORTING ACT. I AM REQUESTING THAT THE FOLLOWING INFORMATION BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. FAILURE TO DELETE WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING FRAUDULENT INFORMATION TO MY CREDIT PROFILE. SECTION 605B OF THE FCRA REQUIRES THIS INFORMATION TO BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. 

XXXX # XXXX - {$13000.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. THIS ACCOUNT IS NOT MINE. XXXX NEVER FILED AND CLAIMED AS BAD DEBT BECAUSE ACCOUNT IS FRAUDE XXXX XXXX XXXX # XXXX {$3600.00} THIS ACCOUNT IS INVOLVED IN LITIGATION. COMPANY FAILED TO PROVIDE WET INK SIGNATURE CONTRACT PURSUANT TO SECTION 609A OF THE FCRA. 
XXXX XXXX XXXX # XXXX {$19000.00} THIS ACCOUNT IS FRAUD, SECTION 605B REQUIRES TO PROMPTLY DELETE WITHIN 4 BUSINESS DAYS. COMPANY FAILED TO PROVED WET INK SIGNATURE CONTRACT. NO 1099C FILED TO CLAIM AS BAD DEBT BECAUSE ACCOUNT IS FRAUD. XXXX XXXX XXXX IS NOW COMMITTING FRAUD. 
XXXX XXXX  # XXXX {$4000.00} THIS ACCOUNT IS INVOLVED IN LITITGATION XXXX 
XXXX XXXX XXXX # XXXX THIS ACCOUNT IS INVOLVED IN LITIGATION. 
XXXX XXXX XXXX  # XXXX - {$550.00} THIS ACCOUNT IS FRAUDULENT, DELETE WITHIN XXXX BUSINESS DAYS XXXXXXXX XXXX  # XXXX XXXX THIS ACCOUNT IS INVOLVED IN LITITGATION. THIS ACCOUNT IS NOT MINE. THIS ACCOUNT WAS CHARGED OFF. 1099C NEVER FILED ON CREDITOR TAX RETURN WHICH IS FRAUD. CREDITOR CAN NOT PROVIDE COPY OF WET INK SIGNATURE CONTRACT

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint against XXXX and TransUnion for reporting inaccurate public records information on my credit report. Specifically, both agencies are reporting a dismissed Chapter XXXX bankruptcy ( Case # XXXX ), which is damaging my credit reputation and score. 

Details of the Inaccuracy : Bankruptcy was dismissed on XX/XX/year>, providing no financial relief or court-declared insolvency. 
Bankruptcy courts do not report directly to credit reporting agencies, which calls into question the accuracy and source of this information. 
Despite my previous dispute, the CRAs claimed the information was verified but failed to provide documentation supporting its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation.

Harm Caused : The inaccurate reporting of this dismissed bankruptcy has significantly harmed my credit profile and financial reputation. 
I have been denied access to credit and have suffered emotional distress as a result of this inaccuracy.

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 2024-12-15 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: WI

Complaint narrative:
Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX the necessary steps are being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payment on my XXXX XXXX account XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.

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 2024-12-15 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: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISSISSIPPI DIV OF CHILD XXXX MISSISSIPPI DIV OF CHILD XXXX has violated my rights. 

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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: U.S. BANCORP
State: MN

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-15 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: MN

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-15 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to request additional details regarding my closed account ending in XXXX. Please note that I am not disputing the validity of this account or the associated debt. However, I kindly request clarification on the following information for my records : Date of First Delinquency : Please provide the date on which the account first became delinquent and remained unpaid. 
Date of Last Payment : Please confirm the date of the most recent payment made on this account.

Date of Charge-Off : Kindly specify the date when the account was officially charged off.

I believe this information is critical for understanding the status of this account and ensuring that all details reported are accurate. I would appreciate your response in writing at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: LA

Complaint narrative:
US Bank XXXX XXXX released with... 



When you place your order, it will arrive between XX/XX/XXXX and XXXX Product details : Unblocked XXXXXXXX XXXX with an available limit of XXXX. 

TRACK MY CARD We'll keep working to find more opportunities. See you soon! 



Our emails are to contribute to your growth, we work to keep you always informed about the best options. http : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our emails are designed to help you grow. We work hard to keep you informed about the best options. 

Sent to : XXXX Unsubscribe XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-15 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: CA

Complaint narrative:
XXXX formerly XXXX who I appreciate for giving me a auto loan is continuing to report my loan incorrectly. 

I understand that I didnt have perfect payment history and struggled towards the end but XXXX  billing wasnt 100 % perfect themself with problems with the ACH autopayments that I didnt set up and I wasnt getting alerts or notification that would explain that even though I made payment on time there was another system or platform ( XXXX  ) managing my loan so while I was using XXXX app to monitor my payments the other system ( XXXX XXXX ) was using ACH autopay caused a return payment on these ACH. XXXX  app showed no autopay or alerts of return payment while XXXX  app had it own system processing auto ACH that I didnt realize or wasnt alerted. I got charges a return payment fees even months I paid on time. I asked XXXX to please not report my account in a negative way because the fact is I did pay off the loan early extra fees and all which means that Im not late on payments if the loan was paid early. XXXX has no reason to report anything negative as the account was paid in full. I repeat. The account was paid in full early. 

False information is the documentation of the last payment that shows the account was paid closed followed by 60 days past due. I respect if XXXX feels the need to report the negative but they need to highlight and document my file accurately and fair. This is causing harm. The slight unnoticed remarks and missing information is what causing this to read as unsettled incomplete or negative. The missing information is 1. Last monthly payment. 2. Paid in full 3. Correct order of events with the last transaction and file payment paid in full. Period Thats it. No remarks after closed. What ever you put before is on XXXX but please be honest with the final payment.

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 2024-12-15 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest formerly XXXX who I appreciate for giving me a auto loan is continuing to report my loan incorrectly. 

I understand that I didnt have perfect payment history and struggled towards the end but Bridgecrest billing wasnt 100 % perfect themself with problems with the ACH autopayments that I didnt set up and I wasnt getting alerts or notification that would explain that even though I made payment on time there was another system or platform ( XXXX  ) managing my loan so while I was using Bridgecrest app to monitor my payments the other system ( XXXX XXXX ) was using ACH autopay caused a return payment on these ACH. Brightcreat app showed no autopay or alerts of return payment while XXXX app had it own system processing auto ACH that I didnt realize or wasnt alerted. I got charges a return payment fees even months I paid on time. I asked Bridgecrest to please not report my account in a negative way because the fact is I did pay off the loan early extra fees and all which means that Im not late on payments if the loan was paid early. Bridgecrest has no reason to report anything negative as the account was paid in full. I repeat. The account was paid in full early. 

False information is the documentation of the last payment that shows the account was paid closed followed by 60 days past due. I respect if Bridgrcreat feels the need to report the negative but they need to highlight and document my file accurately and fair. This is causing harm. The slight unnoticed remarks and missing information is what causing this to read as unsettled incomplete or negative. The missing information is 1. Last monthly payment. 2. Paid in full 3. Correct order of events with the last transaction and file payment paid in full. Period Thats it. No remarks after closed. What ever you put before is on Bridgecrest but please be honest with the final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX and XXXX XXXX  XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-12-15 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : 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