vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2024-10-18 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: AR Resources, Inc.
State: FL

Complaint narrative:
I have a collection notice on my credit report that I have no knowledge of. I tried calling them and they will not speak to me without paying them money so I can not get anymore information like who the company actually is. I spent a few hours this morning trying to find out who it was but no luck. I spoke with a Rep from XXXX XXXX to dispute it but they want me to dispute it through the FTC. Since they can not provide me any information on the account and I do not have any knowledge of the account, I need to dispute it as fraud. It must belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute wrong information on my credit report. I am concerned that my personal information may have been compromised and as a result inaccurate and fraudulent information has appeared on my credit report. according to the FCRA I have the right to dispute any and all inaccurate listed. these are all the accounts that are not mineXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
I do not recognize these Hard Inquires and i have asked the credit bureau to removed these from my credit and they have not removed them. I am providing an identity theft report which i will be attaching to this, I am requesting them to be removed because they are inaccurate and they are not mines. 

Thank you

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 2024-10-18 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: FL

Complaint narrative:
ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. XXXX, transunion and XXXX CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..

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 2024-10-18 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:
ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. XXXX, XXXX and equifax CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$550.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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 am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX  Account 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
Consumer complaint received 2024-10-18 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: PA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-18 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: AZ

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-18 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: AZ

Complaint narrative:
discovered incorrect late payment records on my credit report that dont match my usual payment activity. Please fix these mistakes and update 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 explanation
Consumer complaint received 2024-10-18 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: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
I am reaching out to report fraudulent personal information linked to my identity. Accounts and transactions have been wrongfully attributed to me, leading to significant distress. I am a victim of identity theft and have reported this incident. Its crucial to address this promptly, as it has negatively affected my finances and reputation. I kindly request your assistance in removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and may pursue legal action to protect my rights. Thank you for your prompt attention to this urgent matter.

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 2024-10-18 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: GA

Complaint narrative:
Per the cfpb, I was instructed to send my fcra human trafficking form to the following address Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX My complaint fcra section 605 was sent on XXXX/XXXX via priority mail and I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-18 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account NumberXXXX Account name : XXXX XXXX  Account NumberXXXX XXXX Account name : XXXX Account Number : XXXX, Account name : # 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- It also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- States no consumer reporting agency containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account NumberXXXX Account name : XXXX XXXX  Account XXXX XXXX Account name : XXXX Account Number : XXXX, Account name : # 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- It also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- States no consumer reporting agency containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove all 3 consumer dispute for these 3 accounts. I already paid for them. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: DE

Complaint narrative:
XXXX XXXX XX/XX/2024 was my original complaint to CFPB about this false reporting bankruptcy I have been violated by Equifax and XXXX I wrote to the Delaware district Court bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to Equifax, XXXX or other credit entities. I also sent 3 letters to equifax and XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. And asking for information that they have.They sent me a letter back with another name on the bankruptcy that is not mine also, I sent notarized affidavits also. I also sent Equifax a letter documentation of contacting The District court directly inquiring about their records, but received no response. Despite Equifax and XXXX failure to validate or deny the report to you directly as the natural person creditor. Equifax and XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it. And these bankruptcies reporting are hurting my financial health. Since my initial complaint I have given Equifax and XXXX 30 days to respond which is a more than reasonable amount of time to respond to these matters. They had failed to do so and now I am seeking monetary relief for the inconvenience

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-18 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed several negative items that are adversely affecting my credit score and overall creditworthiness. Specifically, I have identified the following : Charge-Off : Creditor : XXXX XXXX Account Number : [ Account Number ] This charge-off was reported inaccurately and is causing significant harm to my credit profile. 
Late Payments : Creditor : XXXXXXXX XXXX Account Number : [ Account Number ] I believe these late payments were reported in error and do not accurately reflect my payment history. 
Hard Inquiries : Inquiry Name : XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were made without my authorization, raising concerns about their legitimacy. 
I have reached out to TransUnion to formally request the deletion of these negative items based on inaccuracies and unverifiability, as they are not reported on my other credit reports. Despite my efforts, these negative entries remain on my credit report, affecting my ability to secure financing and causing emotional distress. 

I seek a resolution to this matter, including the deletion of the charge-off, late payments, and unauthorized hard inquiries, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I found accounts on my credit report that appear to have been added without my permission, and I believe they are incorrect. I request their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID

Complaint narrative:
There was a {$20.00} charge on my Citizens Business checking account on XX/XX/. My account balance was {$0.00} for a long time. So I did not monitor this checking account everyday. Citizens bank let this overdraft went through and kept generating fees every few days. My XXXX XXXX XXXX daughter was XXXX  for the past two months. So I did not find this problem on time until XX/XX/XXXX  and I transferred {$20.00} immediately to the account. To my knowledge, for a checking account, if the owner did not enroll in overdraft protection, any charges above the account balance should be declined. I never enroll in overdraft protection, yet Citizens bank allowed the charge went through and kept generating fees again and again for the same draft. There were altogether four charges totaling {$120.00} as the overdraft fees. This is crazy! I called customer service and only {$65.00} were reimbursed. Please refund the other {$60.00} charges.

Company response to consumer: Closed with monetary relief