vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$3600.00} - previously late/open XXXX XXXX XXXX Balance : {$790.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date XXXX : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed XXXX {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
I have illegal unauthorized hard inquiries on my report that I do not recognize! 
I want them removed immediately! 
These hard inquiries are on my Equifax credit report and are in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries are on my Trans Union credit report and are illegal . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: AR

Complaint narrative:
I am writing to express my grave concern and frustration regarding the handling of the this attempt to correct late open accounts. Despite many attempts to address the problem of late open accounts, I continue to experience delays. The presence of accounts that are reported as closed late is another significant concern. This inaccuracy can lead to misunderstandings and financial discrepancies. These persistent issues have significant ramifications, including potential financial losses, damage to credit ratings, and erosion of trust in the process. The ongoing problems suggest a systemic failure that needs urgent rectification. 

In conclusion, I trust that you will help me to this matter as a serious attention it deserves and take decisive action to rectify the issues observed. Continued failure to address these problems not only compromises the integrity of the process but also undermines the trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
Please delete these inquiries. I am not aware of them, and the company processed them without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-18 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 writing to express my extreme frustration and disappointment regarding the handling of the 15th attempt to remove fraudulent items. The persistence of these fraudulent items, despite repeated attempts to address the issue, is unacceptable and demands immediate and decisive action. Despite countless assurances and previous attempts, the fraudulent items remain unresolved. This ongoing failure not only undermines the credibility of the process but also raises serious doubts about the competency and commitment of those responsible for rectifying these issues. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. With this, I am asking for your assistance to remove fraudulent items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00}.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Trademark Infringement It has come to my attention that XXXX, Equifax, XXXX, XXXX XXXX, and XXXX XXXX, XXXX  XXXX XXXX and XXXX are attempting to make an unauthorized use ( s ) and also trespassing on my private intellectual property being the Trademark : XXXX XXXX Under federal registration laws. I am the owner of the trademark XXXX XXXX, Currently with the United States patent and Trademark Office under the following registration number XXXX. Therefore, I have the right, including but not limited to restrict, prevent or limit the use of our trademark in order to protect it against any misrepresentation. 
I hereby demand that all entities mentioned above immediately cease and desist in any additional use of my trademark. If you fail to comply with the aforementioned demands ( s ) within XXXX hours, I will have no choice but to pursue all legal causes of action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
Trademark Infringement It has come to my attention that XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, XXXX XXXX XXXX and XXXX are attempting to make an unauthorized use ( s ) and also trespassing on my private intellectual property being the Trademark : XXXX XXXX Under federal registration laws. I am the owner of the trademark XXXX XXXX, Currently with the United States patent and Trademark Office under the following registration number XXXX. Therefore, I have the right, including but not limited to restrict, prevent or limit the use of our trademark in order to protect it against any misrepresentation. 
I hereby demand that all entities mentioned above immediately cease and desist in any additional use of my trademark. If you fail to comply with the aforementioned demands ( s ) within XXXX hours, I will have no choice but to pursue all legal causes of action

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 2024-05-18 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: GA

Complaint narrative:
Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the XXXX credit bureaus to verify these accounts. Failure to validate these reported accounts within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX  XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX

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 2024-05-18 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: GA

Complaint narrative:
Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify these accounts. Failure to validate these reported accounts within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXXXXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: VA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$110.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: VA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : Experian : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.

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 2024-05-18 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: AR

Complaint narrative:
I am writing to express my grave concern and frustration regarding the handling of the this attempt to correct late open accounts. Despite many attempts to address the problem of late open accounts, I continue to experience delays. The presence of accounts that are reported as closed late is another significant concern. This inaccuracy can lead to misunderstandings and financial discrepancies. These persistent issues have significant ramifications, including potential financial losses, damage to credit ratings, and erosion of trust in the process. The ongoing problems suggest a systemic failure that needs urgent rectification. 

In conclusion, I trust that you will help me to this matter as a serious attention it deserves and take decisive action to rectify the issues observed. Continued failure to address these problems not only compromises the integrity of the process but also undermines the trust.

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 2024-05-18 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 deeply concerned by the lack of responsibility shown in addressing the inaccuracies on my account. When will XXXX correct the erroneous information on these accounts which are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please cease any delaying tactics and rectify the accounts immediately : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} & XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$6.00}. As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a longtime member of Paypal with a Paypal Credit line of credit, linked to one and only one Paypal account, which is in good standing.

I decided to simply CHANGE THE PAYPAL CREDIT ACCOUNT NUMBER ; at the advice of
various Paypal employees over the months. I have had issues with various forms of document, physical theft as well as account breaches across nearly all accounts of mine regardless of security measures and antivirus scans. 
I was told by the Paypal employee that NOTHING other than the Paypal account number would be changed and that the available credit would be available to be used immediately. It is now Saturday, XX/XX/year> and I am not seeing my Paypal Credit account on my Paypal account and do not have access to it. Only my account number was used to prevent fraud that I myself requested to change at the suggestion of various employees at Paypal Credit. I was never given the new account number and now do not have access to it, leaving me open to possible fraud at the hands of Paypal Credit 's incompetence. 
My account is in very good standing with various promotional as well as regular purchases along with paperless statements and account alerts that I still have access to so this is very concerning.

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 2024-05-18 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have inaccuracies in their reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation