vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 
Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: NY

Complaint narrative:
I just reviewed a copy of my credit report and i found this fraudulent account. Please remove these account. This is hurting my ability to obtain credit. 

XXXX XXXX XXXX - Account # 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 2024-09-29 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: NY

Complaint narrative:
I just reviewed a copy of my credit report and i found this fraudulent account. Please remove these account. This is hurting my ability to obtain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. This is a violation of 15 U.S code 168i ( 5 ) removal of inaccurate invalidated credit information. 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 2024-09-29 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: TX

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Information and Identity Theft Impact Across Credit Reporting Agencies Dear CFPB, I am writing to request your assistance in resolving an ongoing issue with inaccurate information on my credit reports from Experian, XXXX, and XXXX. Despite numerous attempts to have this incorrect information corrected, the credit reporting agencies have failed to address the problem, leaving me with a compromised credit profile and exacerbating the consequences of identity theft. 

The following personal information in is the only accurate and valid data for my credit report : All other personal details listed on my credit reportssuch as incorrect names, addresses, or phone numbersare outdated, false, or fraudulent. I have been a victim of identity theft, and these inaccuracies have contributed to further issues with my creditworthiness. I have already filed an identity theft report with the Federal Trade Commission and my local law enforcement, as required by 15 U.S.C. 1681g ( e ) of the Fair Credit Reporting Act ( FCRA ). 

I have previously requested that Experian, XXXX, and XXXX delete this incorrect information from my credit reports as mandated under 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 of the FCRA, as well as Texas Business & Commerce Code 20.03 . However, these agencies have not complied with the law. Under Texas Identity Theft Enforcement and Protection Act ( Texas Business & Commerce Code 521.051 ), I am further entitled to the removal of any data linked to identity theft, yet these rights have also been ignored.

I am now seeking the CFPB 's assistance to investigate and enforce these corrections, as the reporting agencies have failed to comply with federal and state laws. This ongoing negligence is damaging my financial standing and causing further complications due to the unresolved identity theft issues.

Please help ensure that these credit reporting agencies are held accountable for their legal obligations to maintain accurate records and promptly delete false or outdated information.

I appreciate your immediate attention to this matter and look forward to your assistance in achieving a swift resolution.

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 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
My Skrill account has been completely unusable now for almost 3months. I have a balance in my account I can't access, despite having a debit card, I can't even transfer from my Skrill to another Skrill account, even though my balance is more than what I've tried transferring. I can't use my debit card and I can't even withdraw to my registered bank account. My account is in good standing, I've made so many calls and submitted so many support tickets I've literally spent hours trying to get my account fixed. However, in spite of the promises to get the issue fixed- since XX/XX/XXXX, NO ONE HAS CONTACTED ME OR EVEN REPLIED TO MY MANY SUPPORT TICKETS. NOT ONCE. I feel like I'm being scammed and my money is being stolen. When I try using the customer service phone number, there is no one available, just a recording, in spite of me calling within the posted hours of operation. This is RIDICULOUS! How can a company that is supposed to be trusted handling money for people be so incompetent and show a total disregard for their customer. The situation is so frustrating and the facts are so crazy it's almost unbelievable, except, it's all true. Since XX/XX/year>, IMAGINE, NOT- ONE- PERSON HAS RESPONDED TO EVEN ONE OF THE MANY SUPPORT TICKETS I've SUBMITTED. NOT EVEN AN ACKNOWLEDGEMENT. I should mention however, amazingly, they were able to deduct {$9.00} for Annual Fees, no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have no knowledge of this account. It is reported on Equifax. Theres no account number and it just somehow show on my account this last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  granted be two car loans account numbers XXXX, and XXXX in the last two years they refuse to report either of these accounts to my business credit XXXX XXXX XXXX or my personal credit. I have asked for an investigation to be conducted no one ever calls back. Lately, when I call every one at this bank suddenly do not speak English and hang up on me. Please help.

It is quite suspicious to me when I call to make payment everyone speaks English.

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 2024-09-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NV

Complaint narrative:
Received a Netspend prepaid payroll debit card I did not request.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have 2 accounts status of account is reporting incorrectly and I will like them to be updated to its correct status or be deleted due my my rights with fcra I will upload documentation

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 2024-09-29 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: AR

Complaint narrative:
I sent letters to each company multiple times ; I received a full credit consumer profile. I did not receive any proof of original documentation of the debt because I saw a lot of unfamiliar accounts. I credit has been comprised and a lack of privacy has transpired. I too have a right to privacy,

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 2024-09-29 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: LEXISNEXIS
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ) XXXX XXXX XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX  DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

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 2024-09-29 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:
Consumer Name : XXXX XXXX XXXX : XXXX XXXX Complaint Regarding Reinsertion of Fraudulent Accounts Due to Identity Theft Complaint Summary : I am filing this complaint due to the fraudulent reinsertion of accounts on my credit report that were the result of identity theft. Despite submitting a formal Identity Theft Report to the Federal Trade Commission ( FTC ), providing supporting documentation ( such as a police report and proof of identity ), and disputing the accounts with the credit bureaus, these accounts were improperly reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Fraudulent Accounts include XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX These accounts were fraudulently opened, reported, and reinserted on my credit report in my name without my knowledge or consent. Initially, the accounts were removed after my dispute, but they have since been reinserted into my credit report without the proper verification process required by FCRA 1681i ( a ) ( 5 ).

Violations : Failure to Block Fraudulent Accounts ( FCRA, 15 U.S.C. 1681c-2 ) : Despite providing the required Identity Theft Report, the credit reporting agencies failed to block these fraudulent accounts within four business days, as required by the FCRA.

Unlawful Reinsertion Without Proper Verification ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ) : The fraudulent accounts were reinserted into my credit report without proper verification or notification, which violates the FCRAs requirements for reinsertion of previously disputed accounts.

Failure to Maintain Accurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies are responsible for ensuring that the information on my credit report is accurate and verifiable. These accounts are neither, and their continued presence on my report is damaging my creditworthiness.

Ignored Opt-Out Request ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have also submitted a formal request to opt out of any data sharing related to these fraudulent accounts, but this request has been ignored.

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 2024-09-30 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: FL

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 2024-09-29 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: OH

Complaint narrative:
I recently Reviewed a copy of my credit report and noticed I have fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i just reviwed a copy of my credit report and i found these fraudulent inquiries. please remove these inquiries from 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 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 2024-09-29 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: NY

Complaint narrative:
i just reviwed a copy of my credit report and i found these fraudulent inquiries. please remove these inquiries from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX  open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )

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 2024-09-29 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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