vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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:
1 ) XXXX - On XX/XX/XXXX Sent a Certified letter to have them remove a hard inquiry from XXXX XXXX XXXX that I did not authorize. They have not removed it from the report. 
On XX/XX/XXXX Sent a Certified letter to have them update/correct personal information on my file to reflect my current address, etc. and to remove all other addresses which were undeliverable. They did not honor the request. 
On XX/XX/XXXX- Sent a priority mail letter regarding negative information on my report, requested validation of alleged negative accounts with documentation copies bearing my signature. They have not furnished this validation. 
2 ) Transunion - On XX/XX/XXXX Sent a Certified letter to have them update/correct personal information on my file to reflect my current address, etc. and to remove all other addresses which were undeliverable. They did not honor the request. 
On XX/XX/XXXX Sent a Certified letter to have them remove a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that I did not authorize. They have not removed it from the report. 
On XX/XX/XXXX- Sent a priority mail letter regarding negative information on my report, requested validation of alleged negative accounts with documentation copies bearing my signature. They have not furnished this validation. 
On the following dates I was a part of four separate databreaches, I will attach copies of the announcement letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breach in XXXX ( Did not receive any documentation from them that I'm aware of )

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 2025-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express prepaid gift card of {$3000.00}. When I tried to use it, it was declined by nearly all online vendors that I've tried. 

The American Express gift cards are advertised such that " they can be used virtually anywhere American Express Cards are accepted in the U.S. '' However, the vendors that I tried all accept American Express credit cards, but they declined this gift card. 

After a quick search, it's apparent that this is a common problem that have happened to many people who have received American Express prepaid gift cards. 

I'm attaching a screenshot of the transaction record showing some of the declined transactions. There are additional transactions that were declined but somehow do not show up on American Express 's check balance webpage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: Early Warning Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Reporting Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Re : Formal Dispute of Items on XXXX XXXX  To Whom It May Concern, I am writing to dispute the accuracy and validity of the items currently listed on my Early Warning Services ( EWS ) report. Despite submitting multiple prior disputes, several fraudulent or inaccurate items remain, even though some entries were removed. The removal of certain items is a clear indication that inaccurate or incorrect information was originally reported, compromising the integrity of the entire report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an accurate consumer report. EWS is required by law to ensure that any information provided is both verifiable and authorized. Section 611 of the FCRA obligates you to conduct a thorough investigation of all disputed information and delete any unverifiable data within 30 days. 

Despite repeated requests, I have not received documentation verifying the legitimacy of the remaining items. Under FCRA 609, I am entitled to all information in my file, including the source and supporting evidence. Since you have failed to provide this information, the continued reporting of these items violates federal law. 
The following disputed items are still active on my report and require immediate deletion : XXXX  XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX Since prior deletions demonstrate that inaccurate data was being reported, I request the following actions : 1. Immediately delete the remaining inaccurate, incomplete, or unverifiable items from my XXXX XXXX 
2. Provide written confirmation of the deletions and the updated status of my report.

3. If you maintain that any of the information is accurate, I demand that you provide me with complete supporting documentation and evidence for each entry within 15 days.

Failure to comply will result in further legal action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages as allowed under FCRA 623.

I expect a resolution within the legally mandated 30-day period. Please send all future correspondence to the address listed above or to my email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, I swapped jobs and though this load was paid off. I was never contacted that the load was still active or going into collections. Once this showed up on my credit report which dropped XXXX points is the first time I knew this was open. I paid the balance right away and now would like to have this deleted from my credit. 

I'm a XXXX XXXX  and the company not contacting me and destroying my credit is not right.

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 2025-01-08 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: SC

Complaint narrative:
Hello, I swapped jobs and though this load was paid off. I was never contacted that the load was still active or going into collections. Once this showed up on my credit report which dropped XXXX points is the first time I knew this was open. I paid the balance right away and now would like to have this deleted from my credit. 

I'm a XXXX XXXX  and the company not contacting me and destroying my credit is not right.

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 2025-01-08 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:
My information was exposed to Data Breaches 15 USC 1681 governs access to consumer credit report records. I have filed form 14039 with the irs.gov. The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on Experian, XXXX and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) See attached Credit Report and Identity Theft FTC 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MN

Complaint narrative:
On XX/XX/year>, I obtained and reviewed my consumer report from LexisNexis. Upon reviewing the report, I discovered numerous inaccuracies and unauthorized information being reported about me without my consent. 
This false and unauthorized information has caused significant damage to my reputation, character, and quality of life. Additionally, LexisNexis has been in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) by collecting, using, and reporting my personal information without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am writing to file a complaint following the breach of my personal information, which has led to identity theft and subsequent inaccuracies on my credit report. 

**Details of Complaint : ** **FTC Report Filed : ** I have contacted the Federal Trade Commission ( FTC ) regarding this matter and filed an FTC Identity Theft Report. The report number is XXXX. 

**Identity Theft and Data Breach : ** I am a victim of identity theft. My Social Security number and other personal information have been compromised, leading to unauthorized accounts and transactions. 

**Unauthorized Accounts : ** - XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX **Erroneous Reports : ** The theft has resulted in incorrect entries including : - Fraudulent collections - Hard inquiries not initiated by me- Inaccurate late payments by XXXX Credit XXXX 

A XXXX  XXXX Bankruptcy filed on XX/XX/XXXX, A XXXX  XXXX Bankruptcy filed XX/XX/XXXX, A XXXX  XXXX Bankruptcy filed XX/XX/XXXX with the U.S. Bankruptcy court. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections on my consumer consumer FICO Credit report. 
All of the aforementioned accounts, collections, and hard inquiries are the result of Identity theft fraud. I demand that all fraudulent items be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to the FCRA FDCPA laws. 

XXXX*Legal Rights and Demands : ** - As per 15 USC 1681c-2, I formally request the blocking and removal of all fraudulent information from my credit reports. 
- I demand receipt of an updated credit report showing corrections. 

**Transaction Verification : ** I request a detailed record of all transactions related to XXXX XXXX to verify discrepancies in payment acceptance. 

- Immediate investigation and correction of my credit reports as per the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) laws. 
- Written assurance that all fraudulent activity ceases and future protections are implemented. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that CFPB, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
-- - Please ensure this complaint is handled with urgency. Thank you for your attention to this important matter. 

Thanks 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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This is a XXXX XXXXXXXX XXXX  from 2021 and was receiving assistance from the state and bill was paid with a grant given by the city and the XXXX XXXX  still is reported as unpaid by the company. There was so much going on from covid and XXXX XXXX  in the family and this bill became a burden. The grant paid the utility which was sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
I filed an Identity Theft with my police report of my claim on XX/XX/XXXX. Today is XX/XX/XXXX, over 19 days. Per The Fair Credit Reporting Act ( FCRA ) all information reported as identity should be Blocked from reporting on my credit report. Credit bureaus must block reporting of information in filed in my claim resulted from identity theft within four business days. The updates I received stated they have 60 days to respond. It's day XXXX and they law states they have 4 days! They are in violation and I have all of my submitted proof and so do you. Please escalate this matter immediately to delete all of the reported accounts that were reported that are not my accounts. 

Below are the compliant numbers submitted on XX/XX/2024 : XXXX XXXX XXXX Trans Union XXXX XXXX XXXX will also re attache my Identity Theft report and my police report in case it was lost.

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 2025-01-08 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: MI

Complaint narrative:
I filed an Identity Theft with my police report of my claim on XX/XX/XXXX. Today is XX/XX/XXXX, over 19 days. Per The Fair Credit Reporting Act ( FCRA ) all information reported as identity should be Blocked from reporting on my credit report. Credit bureaus must block reporting of information in filed in my claim resulted from identity theft within four business days. The updates I received stated they have 60 days to respond. It's day XXXX and they law states they have 4 days! They are in violation and I have all of my submitted proof and so do you. Please escalate this matter immediately to delete all of the reported accounts that were reported that are not my accounts. 

Below are the compliant numbers submitted on XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX Equifax I will also re attache my Identity Theft report and my police report in case it was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am new to credit and noticed inquiries that are not mine. I also see a credit card account that says I am an authorized user that I know is not mine. Please have these items removed immediately. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Limit There is a name on my report that has me also know as XXXX XXXX XXXX. Please remove, that is not my name.

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 2025-01-08 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:
The following accounts have been removed under the XXXX XXXX XXXX XXXX due to XXXX. Please follow suit and remove accounts as well so that my consumer reports are reporting accurate information across all XXXX XXXX  consumer reports. Please see attachments for proof. ACCOUNTS : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 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 2025-01-08 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:
Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Equifax, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately.

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors If there is a failure to comply with this request to produce evidence of the METRO 2 COMPLAINT removal request, I expect this account to be updated as paid. If necessary, instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney General. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation