vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX XXXXXXXX Account XXXX regarding the account referenced above. I believe that XXXX XXXX has engaged in improper and potentially illegal practices related to the reporting of this account, which have adversely affected my consumer rights and financial standing. 

Violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), certain types of information are excluded from the definition of a consumer report. The law states : " ( d ) Consumer report ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' I believe that XXXX XXXXXXXX has failed to adhere to this provision by improperly reporting information related to my account. Specifically, the information being reported does not meet the exclusion criteria. 

Violation of 15 USC 1666b ( a ) : Furthermore, under 15 USC 1666b ( a ), the law states : " Time to make payments ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' I believe thaXXXX XXXX XXXXXXXX has also failed to comply with this provision. They have improperly treated my payments as late, which is in violation of 15 USC 1666b ( a ), and have reported these late payments to consumer reporting agencies, causing undue harm to my credit score and financial standing. XXXXRequest for Documentation : I am requesting that XXXX XXXXXXXX provide clear documentation and evidence that the information being reported on my credit report complies with the requirements of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) and that they have not treated my payments as late in violation of 15 USC 1666b ( a ). Without this evidence, the reporting of this account is unlawful and damaging to my credit score and overall financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX  XXXX Account XXXX regarding the account referenced above. I believe that XXXX XXXXXXXX has engaged in improper and potentially illegal practices related to the reporting of this account, which have adversely affected my consumer rights and financial standing. 

Violation of XXXX5 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), certain types of information are excluded from the definition of a consumer report. The law states : " ( d ) Consumer report ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' I believe that XXXX XXXX has failed to adhere to this provision by improperly reporting information related to my account. Specifically, the information being reported does not meet the exclusion criteria.

Violation of 15 USC 1666b ( a ) : Furthermore, under 15 USC 1666b ( a ), the law states : " Time to make payments ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' I believe that XXXX XXXX has also failed to comply with this provision. They have improperly treated my payments as late, which is in violation of 15 USC 1666b ( a ), and have reported these late payments to consumer reporting agencies, causing undue harm to my credit score and financial standing. 

Request for Documentation : I am requesting that XXXX XXXX provide clear documentation and evidence that the information being reported on my credit report complies with the requirements of XXXX5 USC 1681a ( d ) ( 2 ) ( A ) ( i ) and that they have not treated my payments as late in violation of 15 USC 1666b ( a ). Without this evidence, the reporting of this account is unlawful and damaging to my credit score and overall financial health.

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 2024-08-06 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}

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 2024-08-06 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: PA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-08-06 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:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I am contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to follow up on my recent communication regarding unauthorized accounts on my consumer report linked to identity theft. I formally demand the immediate blocking and removal of these fraudulent accounts from my report, as I never provided written consent or a wet signature for their inclusion. 

These inaccurate entries have caused me significant emotional and financial hardship, misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial milestones, including purchasing a home and providing for my family 's needs.

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 2024-08-06 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was checking my credit reports today and found that there was some inaccurate information on the following account. I don't understand why this collection is showing on my XXXX Credit Report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : also states that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instructions. I have never given XXXX XXXX XXXX written instructions either. Please delete this inaccurate collection account and mail me a corrected copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: PA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-08-06 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2024-08-06 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}

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 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
On XX/XX/XXXX Account Holder XXXX XXXX filed a police report for Global Credit Union 's Accessory before-the-fact of several Felonies and Misdemeanor conducted against Their Business Account Holder XXXX. 

https : XXXX XXXX can be held liable if they fail to perform Accounting Policy/Procedures, for example, Reading the Dollar amount, having a colleague review higher transactions, and holding checks {XXXX} or kore 2- 7 business days in order for transparency and also to spot fraud and not abiding and federal reimbursement codes OVERVIEW Sunday, XX/XX/XXXX : XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( XX/XX/XXXX ) AS XXXX Burglary in the Second Degree intentionally walked into XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to AS XXXX ( XXXX ) XXXX XXXX ) ( XXXX ) or also deprive XXXX and XXXX XXXX personal Business Account out by {XXXX} ( verbatim ) Bank negligence, occurs when a financial institution breaches the duty of care that they owe a customer resulting in financial loss, and from the XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ). Global Credit Union XXXX XXXX ( name unknown ) violated XXXX XXXX XXXX or XXXX XXXX & procedures and also against components of the Federal Reserve Consumer Protection Regulations became an Accessory before-the- fact to XXXX XXXX XXXX AS XXXX Theft in the Second with directly aiding suspects for their {XXXX} Fraudulent Check and indirectly contributing XXXX XXXX XXXX an Official Global Credit Union Deposit Receipt of {XXXX}. As a result, XXXX  & XXXX said we deposited, owed amount of {$XXXX} with our {XXXX} Settlement Check, and in return would appreciate our {XXXX portion now please. 
outcome : Alongside, a Official Global Credit Union Deposit Receipt and also {XXXX} Deposit Confirmation made from a Global Credit Union Bank XXXX : Global Credit Union XXXX XXXX XXXX paved a XXXX XXXX way for XXXX XXXX XXXX AS XXXX theft in the Second Degree of {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: IA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} Collection account XXXX Balance : {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.

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 2024-08-06 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: TX

Complaint narrative:
To whom it may concern, I received a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section of my credit report. To diminish speculation my information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I received a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section of my credit report. To diminish speculation my information is as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX 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 2024-08-06 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3800.00XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief