vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: TX

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 2024-07-22 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-07-22 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXX, chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LEXISNEXIS
State: AL

Complaint narrative:
The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's XXXX agree to remove the account, however the account was subsequently reinserted I was force to negotiate as I'm trying to make a large purchase .My account assigned as account XXXX XXXXXXXX by XXXX XXXX I have never signed any contract with this company. I sent an offer of {$130.00} to XXXX via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and XXXX. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to Transunion, XXXX, XXXX credit bureaus. Deposit or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. XXXX contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted XXXX several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX and XXXX XXXX XXXXXXXX and fax. they refuse to honor the contract.

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 2024-07-22 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: TX

Complaint narrative:
I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's Equifax agree to remove the account, however the account was subsequently reinserted I was force to negotiate as I'm trying to make a large purchase .My account assigned as account XXXX XXXX by XXXX XXXX I have never signed any contract with this company. I sent an offer of {$130.00} to XXXX via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and XXXX. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, XXXX, Equifax credit bureaus. Deposit or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. XXXX contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted XXXX several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX and XXXX XXXX XXXXXXXX and fax. they refuse to honor the contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I DO NOT consent to any automated scan response or e- XXXX XXXX methods. I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. XXXX removed the account from my report due for several reasons. Howerver, XXXX and Transunion continue to validate this incorrect information but provide no evidence after multiple re-investigations. XXXX XXXX XXXX is required to report the same information to XXXX, Transunion, and XXXX. and each are required to report the same information which is not happening. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Transunion currently reports no payment history at all for this account. XXXX is still missing data. But the only resolution is deletion since one bureau has already determined the information to be deleted. Further, Transunion and XXXX continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because transunion and XXXX refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal and civil litigation will be sought pursuant to FCRA violations and damages

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 2024-07-22 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 non-monetary relief
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX which they dont show there account numbers at all After reviewing my credit report those account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681 ( 5 ) of the fair Credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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:
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 explanation
Consumer complaint received 2024-07-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-07-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Deutsche Bank
State: FL

Complaint narrative:
This is my second complaint against Deutsche Bank, they lied to you. I inherited money and they did not fix my Certificate of Deposit, they change the written amount but did not change the codes. The XXXX notified me to this matter. They said the didn't have anything here is more documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Incident occurred at XXXX  on XX/XX/year>. I checked out at XXXX, walked to my vehicle & was approached by female, she had a {$20.00} bill in her hand- '' you dropped ''. She was touching around my waist, hip area as I took my wallet out to put the {$20.00} in ; she was distracting me speaking a foreign language. XXXX Surveillance camera saw her standing behind me as I used my Debit card at check out & also saw her at my SUV, tree blocked picture, but saw a man waiting for her & they walked out of view. When I went to use for a purchase at appx. XXXX to my dismay, my card was not in my wallet. I immediately called Wells Fargo , Fraud department, at this point they are giving me the run-around. I filed a Police Report on Monday XXXX XXXX XXXX XXXX  XXXX Wells Fargo that XXXX XXXX at XXXX would " save '' the film. Wells Fargo has not requested it. They used my card to take money out of checking in a bank ( no ID was requested ) and went to different locations, ATM to take money out of checking & savings. I never did receive an alert from the Bank.

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 monetary relief