vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP
State: OR

Complaint narrative:
XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ohio XXXX RE : Case XXXX Dear XXXX : I spoke with you on or about XX/XX/XXXX about not being able to get my XXXX back from Key Bank which was to be used as a hold or initial payment to open a XXXX XXXX XXXX Account. This is a year long program. I did not start this until XX/XX/XXXX not XX/XX/XXXX as per the statements that I was able to print off from my account on XX/XX/XXXX from your website. I suspect that this was forged. For some reason, your website would not allow me to print off the actual statements from XX/XX/XXXX through XX/XX/XXXX but I do have that information because I printed it all off several months ago. Additionally, your office was kind enough to send me copies of my statements and they all correlate with the fact that I started this program in XX/XX/XXXX and ended it in XX/XX/XXXX. They did not send me anything from XXXX because I did not open this account in XX/XX/XXXX. Very Strange. 

So, what did you come up with? The bottom line is this, I could not have opened this account if I had not given Key Bank the XXXX to HOLD until I completed the program. I paid for everything just the way I was supposed to. Infact, I believe that I over paid a few times and never was compensated even though I brought it up several times to customer service but they ignored me. 
This is probably why they gave me a so-called gift of XXXX on my checking account on XX/XX/XXXX. I mean, what bank gifts you money unless they did something wrong? 



This whole thing is just wrong in so many ways and I do not understand why Key Bank is so stubborn about it. It really makes no sense. If there is something I did, they need to explain this to me. Key Bank had several chances to explain to me as to why they would not give me back MY XXXX dollars which was basically a form of collateral to be paid back to me after I completed the year long program. 

I need an answer to this issue ASAP. I filled out another form online asking for you to respond by XX/XX/XXXX or I would go ahead and report this to the XXXX XXXX XXXX XXXX. I am going to go ahead and do this now and file a complaint with The Consumer Financial Protection Bureau. I cant sit around waiting any longer. I am low income and XXXX means a lot to me. I want it back immediately. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
ON XX/XX/2024 I SUBMITTED MULTIPLE COMPLAINTS ON EXPERIAN, XXXX AND XXXX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH EXPERIAN, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM EXPERIAN ; [ [ [ XXXX XXXX XXXX, To view your rights, visit www.experian.com/fraudrights and www.experian.com/fcra. 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/2024 AND ANOTHER ON XX/XX/2024 THEN FINALLY ANOTHER ON XX/XX/2024. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ 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. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.

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 2024-03-19 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: MO

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents? Certain listed accounts are inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-19 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:
ON XX/XX/year> I SUBMITTED MULTIPLE COMPLAINTS ON XXXX, TRANSUNION AND XXXX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH XXXX, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM XXXX ; [ [ [ XXXX XXXX XXXX, To view your rights, visit XXXX  and XXXX 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/year> AND ANOTHER ON XX/XX/year> THEN FINALLY ANOTHER ON XX/XX/year>. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ 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. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.

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 2024-03-19 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:
ON XX/XX/2024 I SUBMITTED MULTIPLE COMPLAINTS ON XXXX, XXXX AND EQUIFAX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH XXXX, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM XXXX ; [ [ [ XXXX XXXX XXXX, To view your rights, visit XXXX  and XXXX 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/2024 AND ANOTHER ON XX/XX/2024 THEN FINALLY ANOTHER ON XX/XX/2024. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ 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. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-19 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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 my credit reports again and I can still see the inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MS

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-19 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: MS

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-03-19 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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