vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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:
I am writing to urgently address the persistent presence of fraudulent items on my credit report and to request immediate action for their removal. Despite many attempts on my part to rectify this issue, the fraudulent items continue to tarnish my credit history, jeopardizing my financial well-being.

Upon discovering the fraudulent items on my credit report, I immediately initiated multiple attempts to have them removed. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items persist, causing unwarranted damage to my creditworthiness and reputation.

The continued presence of these fraudulent items undermines the accuracy and reliability of my credit report and poses a significant threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX Balance:XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : 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 2024-03-07 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: CT

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: IN

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been requesting an account to be investigated because it should not be on my consumer report. I have noticed that the complaint was never resolved XXXX this is the compliant ID. I have already provided court document proving my claim and now I am being ignored by the consumer reporting agency. That is totally a violation of the FCRA. I have a right to challenged the inaccurate information furnished on my consumer report and to deny me a fair investigation leads me to believe that XXXX XXXX has never provided adequate proof of their claim. Maximum accuracy is required when furnishing information on a consumer report. I have submitted everything necessary to have this account removed and only XXXX deleted it Transunion and XXXX are still furnishing false information regarding this account. 
XXXX 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 non-monetary relief
Consumer complaint received 2024-03-07 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: PA

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 rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: NV

Complaint narrative:
iN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S. C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO -PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified some information on my reports that are a result of identity theft, these items are not related to any transaction completed by me : ACCOUNTS : 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 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: VA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified some information on my reports that are a result of identity theft, these items are not related to any transaction completed by me : ACCOUNTS : 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 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
I will be disputing these accounts with screen shots of contradicting information. along XXXX credit bureau. Although it is not illegal for XXXX  XXXX to report rolling charge offs they are required to be 100 % accurate, WHICH THEY ARE NOT. I also never received a 1099c to explain the charge off income on my tax return. These violations have severely damaged my life as it is impossible for me to take advantage of opportunities that come to those with good credit. I went thru a horrid time when I was forced to retire due to XXXX and XXXX XXXX not only sued me but are reporting these XXXX accounts every month as new charge offs. This to a XXXX veteran on a fixed income on XXXX accounts that I was never late paying for years. Section 1681i requires accurate reporting. section 1681s-2 imposes duties on data furnishers to ensure accuracy. Both of these codes in the FCRA are being violated. 

XXXX  XXXX ; no account number reported, balance {$8300.00}, XXXX and Transunion XXXX XXXX ; no account number reported, balance {$3400.00}, Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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 express my urgent concern regarding the delayed correction of a late open accounts on my credit report. It has come to my attention that despite my repeated attempts to rectify this issue, the late open accounts remains inaccurately reported, adversely affecting my creditworthiness and financial standing. 

I have taken swift action to address this issue by contacting your customer service department, submitting formal disputes, and providing supporting documentation to demonstrate the error in reporting. However, despite my immediate and diligent efforts, the late open accounts has not been corrected, leaving me at a disadvantage in accessing credit and financial opportunities. 

The continued presence of this inaccuracy on my credit report is unacceptable and has caused undue stress and frustration. As a responsible consumer, I expect timely and accurate reporting of my credit information in accordance with industry standards. 

I demand immediate action to investigate and rectify this situation by correcting the late open accounts on my credit report without further delay. Given the urgency of this matter, I request expedited handling of my dispute to ensure a swift resolution. 

Furthermore, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will leave me with no choice but to escalate this complaint to regulatory authorities and explore all available legal remedies to protect my rights as a consumer. 

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$100000.00}.

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 2024-03-07 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: PA

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 rectified : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: PA

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 rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2024-03-07 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a XXXX XXXX veteran who has been living in XXXX for XXXX years. My V.A. payments and XXXX are direct deposited to my T.D. Bank checking account. From XXXX, I access my money with my T.D. Bank ATM cards. 

In XXXX, I flew back to America and on XX/XX/year> around XXXX, I visited XXXX T.D. Bank branch on XXXX XXXX XXXX renewed my ATM cards and updated my address, told the representetive I will be living in XXXX until mid summer. Visited same branch on XX/XX/year> around XXXX to update my phone number. 

XXXX days ago I opened a T.D. Bank savings account online and transferred {$310.00} from my T.D. Bank checking account to my T.D. Bank savings account. When I tried to login to my account in the morning my checking account was locked. 

I called T.D. Bank customer service and fraud department XXXX times. Making international phone calls isn't cheap in XXXX. 

Than they locked all my accounts. 

I was told my account was frozen because I opened a savings account online.

There was no warning on T.D. Bank Web Site or the online tool that my accounts would be frozen if I open a bank account online.

There was no warning that I had to visit a T.D. Bank branch after I open a bank account online.

I gave them the password on my account, all the transaction details, I have both ATM cards. I even offered a video chat to prove my identification and they still want me to fly back to states and walk into a branch with my I.D . to prove that I am the person that opened the account online.

I have credit card payments which were due yesterday, and I can not access my money.

I just got back from America, and I can not afford an other trip back now. Especially when I am trying to save money to move back to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance {$22.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief