vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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 am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-11-25 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: AXOS FINANCIAL, INC.

Complaint narrative:
Sir, I have complained about fraud happened on my XXXX  bank credit card on XXXX XXXX, XXXX and after getting msg alert on my email and XXXX  bank app, I logged compliant on your customer care number and immediately blocked my card on XXXX XXXX, XXXX. 

I have received an email from your bank that my case is resolved and closed. After that I called on customer care and they are telling the matter is not in my favour and I have to pay entire huge amount of XXXX to the bank. 

Sir, I have not given any otp or link shared, so why I have to pay as this amount is neither spent by me or purchaed any article for me. 

Kindly do the needful and waive off the unauthorised outstanding amount from my card. 

As per XXXX  guidelines, It does not come under customers liability, even after if customer 's fault is there, he is responsible to XXXX only, so why to pay full amount. 
( XXXX attached XXXX  ) Please do the needful at the earliest as I am fully XXXX  and fed up with this. 

In anticipation of positive response from your side. 

Regards XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

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 2024-11-25 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$55000.00} - Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

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 2024-11-25 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: IL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$55000.00} - Chargeoff XXXX XXXX XXXX XXXXXXXX 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/scrub> 2024 XXXX XXXX inquire date XX/XX/year>2024 XXXX XXXX  inquire date XXXX  XXXX 2024

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 2024-11-25 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Companies in question are XXXX XXXX and XXXX. 

I have a closed account with XXXX XXXX from almost 8 years ago. This went to collections. The first missed payment was in XXXX of XXXX. Almost 8 years have passed and its still appearing on my credit report. Additionally, the dates on the report have been changed, and shows the first missed payment as happening in XXXX of XXXX. All dates prior to this are listed as ND for No Data. I never entered into a contract with the collecting agency XXXX. 

Againthe first missed payment was XXXX, well beyond 7 years. This should no longer be reported on my credit report. I have attached documents related to the first missed payment ( via email due to paperless billing. ) Additionally, I have attached a statement from the collections agency stating the XXXX had passed in 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VW Credit
State: CA

Complaint narrative:
Companies in question are XXXX XXXX  and XXXX. 

I have a closed account with XXXX XXXX from almost 8 years ago. This went to collections. The first missed payment was in XXXX of XXXX. Almost 8 years have passed and its still appearing on my credit report. Additionally, the dates on the report have been changed, and shows the first missed payment as happening in XXXX of XXXX. All dates prior to this are listed as ND for No Data. I never entered into a contract with the collecting agency XXXX. 

Againthe first missed payment was XXXX, well beyond 7 years. This should no longer be reported on my credit report. I have attached documents related to the first missed payment ( via email due to paperless billing. ) Additionally, I have attached a statement from the collections agency stating the XXXX had passed in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/year> XXXX XXXX inquire date XX/XX/year> XXXX XXXX XXXXnquire date apr 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 2024-11-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EdFinancial Services
State: LA

Complaint narrative:
My servicer has failed to provide accurate information regarding my loan balance and payment options. 
I have been subjected to aggressive or inappropriate collection tactics. 
My requests for income-driven repayment or loan forgiveness have been mishandled or ignored. 
I am disputing the validity of the debt but have received no meaningful response to my dispute. 
Steps I Have Taken : [ Explain any actions youve taken, such as contacting your servicer, sending a dispute letter, or requesting clarification. ] I contacted [ Loan Servicer/Debt Collector ] on [ Date ] via [ email/phone/mail ] but did not receive an adequate response. 
I submitted a formal dispute on [ Date ] and have attached supporting documents, including correspondence and payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my XXXX Credit Report. 
My Address : XXXX XXXX XXXX XXXX, XXXX, South Carolina, XXXX. 
Please a have XXXX remove all other address 's on my credit report. 

Secondly, my Employment needs to be updated as well to : XXXX XXXX  XXXX, as of XX/XX/year>2024. 
Please delete all of other employment information. 

I provided a copy of my paystub from where I work at my current address and work company and it shows my correct name I would like to use my name as 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reviewing my XXXX Credit Report. 
My Address : XXXX XXXX XXXX XXXX, XXXX, South Carolina, XXXX. 
Please a have XXXX remove all other address 's on my credit report. 

Secondly, my Employment needs to be updated as well to : XXXX XXXX XXXX, as of XX/XX/year>2024. 
Please delete all of other employment information. 

I provided a copy of my paystub from where I work at my current address and work company and it shows my correct name I would like to use my name as XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I found fraudulent inquires and account in my credit report.please remove that. XXXX  XXXX inquire date XX/XX/year>XXXX XXXX XXXX inquire date XX/XX/scrub>XXXX XXXX XXXX XXXX inquire date XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/scrub> XXXX XXXX XXXX inquire date XX/XX/year>XXXX XXXX XXXX inquire date 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 2024-11-25 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:
I'm not sure it this was the proper category. but my problem with TransUnion is that my social is now marked for fraud and they have permanently blocked my online access to my credit report. 

I was marked as fraud to due to extreme fraud being done on my credit and I wanted to stop the thief/thieves from accessing my account. As of late, it has become easier for me to monitor my credit online via real-time alerts in order to to stop and fraud done in my name. 

I am able to lock both XXXX and XXXX, but because TransUnion has a permanent block that they won't remove, someone was able to open bank accounts and apply for credit because it is easy for them to thaw my credit and remove statements I have made. 

They have also removed the safeguard of have a numeric code to remove the freeze. That has also made it easier for identity thieves to have their way with victims ' information.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, these incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, these incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
On XX/XX/year>, I mailed another certified letter ( XXXX XXXX, USPS Tracking # XXXX / XXXX ) requesting the removal of incorrect and outdated information from my consumer report, including alias names, phone numbers, employment history, former addresses, Social Security numbers, and date of birth. These requests were in compliance with my rights under the FCRA and aimed to ensure the accuracy and privacy of my personal information. 

Experians Non-Compliance Despite my detailed and lawful requests, Experian failed to take the necessary steps to investigate, verify, and update my consumer report within the required timeframe. On XX/XX/year>, I obtained a consumer report from Experian ( XXXX XXXX Report # XXXX ), which still contained seven incorrect names and an extra addressee. Experian 's failure to remove these inaccuracies constitutes 24 violations, as each instance implicates four FCRA provisions.

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 2024-11-25 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XXXX Owed : {$830.00} Chargeoff XXXX  XXXX XXXX Opened : XXXX Owed : {$1100.00} Chargeoff XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/closed XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$830.00} Chargeoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} Chargeoff XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/closed XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/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 non-monetary relief