vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-26 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: KY

Complaint narrative:
In XX/XX/XXXX2024, I had to get a new vehicle. I authorized the dealership to run my credit with ONLY XXXX XXXX XXXX. I met with the sales manager who assured me that I would not see more than one inquiry on my credit report and that they would not send it to more than one bank for financing approval. Low and behold, a month later there are several inquiries that I never authorized and are now damaging my credit worthiness and are inaccurate because they were never authorized by me. I contacted the dealership directly as well as the 3 credit bureaus. I also contacted each of the financial institutions via mail and phone. Nothing has been done to resolve or remove the inquiries from my reports since XXXX. The following inquiries are unauthorized and need to be deleted immediately : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: KY

Complaint narrative:
In XXXX 2024, I had to get a new vehicle. I authorized the dealership to run my credit with ONLY XXXX XXXX XXXX. I met with the sales manager who assured me that I would not see more than one inquiry on my credit report and that they would not send it to more than one bank for financing approval. Low and behold, a month later there are several inquiries that I never authorized and are now damaging my credit worthiness and are inaccurate because they were never authorized by me. I contacted the dealership directly as well as the 3 credit bureaus. I also contacted each of the financial institutions via mail and phone. Nothing has been done to resolve or remove the inquiries from my reports since XXXX. The following inquiries are unauthorized and need to be deleted immediately : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  Experian : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand to Update PII and Delete Dated Information To Whom It May Concern, I am submitting this formal complaint and demand immediate action to update my Personal Identifiable Information ( PII ) and delete inaccurate information per - XXXX/Equifax/XXXX  ] XXXX 

My current information that requires updating is as follows : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Primary and Only Phone Number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer Name : Empowered Talks and Stocks I demand that the following outdated information be promptly deleted : Despite repeated attempts my PII has not been updated, jeopardizing my privacy and potentially affecting my ability to receive crucial communications. 

I insist that you conduct an immediate investigation into this matter and ensure that my PII is updated accurately. Additionally, I request confirmation in writing once these updates and deletions have been completed. 

Failure to address this demand within a reasonable timeframe will compel me to pursue all available remedies under the law. 

Enclosed are copies of relevant documents supporting my current information. 

Thank you for your urgent attention to this matter. I expect prompt resolution and confirmation of action taken. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand to Update PII and Delete Dated Information To Whom It May Concern, I am submitting this formal complaint and demand immediate action to update my Personal Identifiable Information ( PII ) and delete inaccurate information per - XXXXExperian ] XXXX 

My current information that requires updating is as follows : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Primary and Only Phone Number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer Name : XXXX XXXX XXXX XXXX I demand that the following outdated information be promptly deleted : Despite repeated attempts my PII has not been updated, jeopardizing my privacy and potentially affecting my ability to receive crucial communications. 

I insist that you conduct an immediate investigation into this matter and ensure that my PII is updated accurately. Additionally, I request confirmation in writing once these updates and deletions have been completed. 

Failure to address this demand within a reasonable timeframe will compel me to pursue all available remedies under the law. 

Enclosed are copies of relevant documents supporting my current information. 

Thank you for your urgent attention to this matter. I expect prompt resolution and confirmation of action taken. 

Sincerely, 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 2024-06-26 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: MD

Complaint narrative:
In Accordance of FCRA, 15 us code 611 ( a ) ( 3 ) ( A ) this account with XXXX is PAID and CLOSED therefore it shouldn't be reporting or shown as POTENTIALLY NEGATIVE. Please delete the RED POTENTIALLY NEGATIVE for the account. IVE REQUESTED SEVERAL TIMES. 


XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$160.00} Highest balance {$340.00} Terms - Payment history XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days CLS Closed Payment history guide 120 days past due as of XXXX XXXX  90 days past due as of XX/XX/XXXX, XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Your statement Comment Current : Account closed at credit XXXX 's request. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in 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 explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have mobile deposited my husbands check {$2500.00} unto my personal bank which is CITI BANK on XX/XX/2024. I called on the XXXX regarding the check if its gon na go thru and if theres a problem then we can just cancel it. They told me that they can not cancel it and that third party checks are not allowed so my account will be closed. I have deposited a third party check before and they accepted it so I thought there would be no problem. They told me to wait 24-48 hrs again. I called the next day on the XXXX to get an update and they told me that they are still investigating and to wait another 24-48 hrs. They told me to have my husbands employer which is the the city of XXXX call them to verify the check and they actually were able to verify and one of the representative told me that my account will be reinstated and to wait 24-48 hrs again for the status. I called again and they told me that they can not verify the check just by speaking to the hr department of the city of XXXX and that they will still closed my account. I told them its okay to close my account but we need the money they can release it back to the issuer so we can go to the physical bank and have my husband cash it out but they wont let go of the money. They told me have the city of XXXX file a claim to the issuing bank which is XXXX XXXX to get the money but we were just on the phone with my husbands employers hr department and they spoke to XXXX XXXX and said they can not file a claim because citi bank already accepted and took the funds. We have been going in circles with citi bank and they are not very helpful we have been waiting for that check that my husband worked for 14 days straight to have that money to pay bills. Now we owe people money, behind on bills, dont have any money to buy food. I asked them why are they holding the money in hostage after verifying it but wont give me an answer and they never ever told me how long they will hold the funds for. They just kept telling me that the city of XXXX has to file a claim. Please help!

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 2024-06-26 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: FL

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 confidentially under 15 USC 1681. 

Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX Account : # XXXX has violated my rights. 

15 U>S>C 1681 section 602 A. States i have rights to privacy.

15 U.S>C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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 2024-06-26 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: CA

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Equifax that these are from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, PA 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, PA 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 2024-06-27 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-27 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: PA

Complaint narrative:
Delete these inquiries at once. I lack information on this issue, and the company went ahead without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Last year around XXXX my mother, XXXX XXXX XXXX ( XXXX ), asked me if I could co sign for an apartment for her. I said yes, but she did not use my information to co sign. Instead, she used my information to lease an apartment under my name and forged my signature on documents. She also provided false employment information and residential history about me. She eventually got evicted and did not pay the apartment the balance which was the {$2300.00} on my collection account. I have proof that I did not live there despite it being in my name and that there was no cosigner for the apartment.

Company response to consumer: Closed with explanation