vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: KS

Complaint narrative:
I have previously dispued multiple accounts multiple times with eqifax experian and trans union for inaccuracy and discrepancies that are negativly impacting my ability for credit. Non of the account have correct payments info balance or personal identification. I'm am reaching out the 3 credit Bureaus failure to comply with The Fair Credit reported act and response to my recent disputes regarded in accuracies in my credit report I submitted a dispute over 35 days ago concerning several discrepancies on several accounts currently listing on my credit reports and XXXX transunion and XXXX has not made any correction nor provided a satisfactory explanation for the I believe experience has violated multiple fcra Provisions including the duty to investigate correct inaccuracies and communicate the results of their investigation in a timely manner right accounts in question are violations of FCR 15 USC 1681 and XXXX XXXX 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 2025-01-13 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:
am the victim of identity theft which has caused a great deal of issues in my personal life and financial background. I have accounts on my report that are not something I authorize and have been trying to address the issues for months. All I am able to get from the bureau is that they verified the debt/inquiry and they are valid. By invoking the Fair Credit Reporting Act Section 611 I thought that finally things were going to turn around and I would get some resolution. It has not been over 60 days and no reply. 



Listed below are the items I am still trying to resolve : Charged Off Accounts XXXX XXXX Inquires EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to seek your assistance regarding an alarming situation I have encountered with the Discover Credit Card company. My experience has raised serious concerns about both the practices of the merchant involved and the lack of effective support from Discover. Recently, I attempted to make a purchase through an online retailer known as XXXX XXXX, which, in retrospect, I suspect may be fraudulent. The first attempt to place my order was unexpectedly canceled. Seeking clarity, I contacted their customer support, who stated they found no issues with my transaction. They suggested I try placing the order again and advised that I would need to contact my bank for a special code during the process. Confident that my credit card protections would safeguard me, I proceeded with the purchase a second time. While on the phone with Discover, I provided them with the necessary code as instructed. However, shortly after this call, I received an email from XXXX XXXX notifying me that my order had been canceled again, and I would receive a refund. I waited the full timeframe specified for the refund but, regrettably, it never arrived. When I reached out to XXXX XXXX, I warned them that if the refund was not processed, I would need to initiate a chargeback. After my mention of the dispute, it became evident that the merchant began to take evasive actions. In a troubling turn of events, XXXX XXXX created a fraudulent tracking number linked to my address and shipped me a tiny box containing cheap socks as a deceptive measure to mislead Discover regarding the validity of my order. When I inquired about this peculiar shipment, XXXX XXXX blocked my ability to contact them further. Disappointed and frustrated, I turned my attention back to Discover, who has shown little responsibility or initiative in addressing my complaint. I submitted all relevant documentation demonstrating that my order was canceled and that a refund was legitimately owed to me. At this point, I feel I have exhausted my options with Discover and am left vulnerable to the irresponsible practices of both the merchant and my credit card provider. Therefore, I kindly request your support in investigating this matter and holding all parties accountable for their actions. Thank you for your attention to this urgent issue. I look forward to your guidance on the potential steps I can take to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX N. XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> Subject : Notice of Dispute Pursuant to 15 U.S.C. 1681n ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681n. The inaccurate or incomplete information listed below is causing harm to my credit score and, consequently, my financial standing. Please treat this as a formal dispute.

Item ( s ) in Dispute : 1. Account Name : XXXX Account Number : XXXX I request that you investigate the validity of the disputed information. If it is found to be inaccurate or incomplete, I ask that you DELETE it from my credit report in accordance with the FCRA. 
As provided under 15 U.S.C. 1681n, I am aware that you are required to perform a reasonable investigation of the dispute and respond within 30 days of receiving this notice. If you do not resolve this dispute in my favor, I reserve the right to pursue further legal action, including but not limited to filing a claim for damages due to any willful or negligent noncompliance with the FCRA. 
Please confirm receipt of this dispute and inform me in writing of the results of your investigation. 

Sincerely, 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 2025-01-13 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/year> Subject : Notice of Dispute Pursuant to 15 U.S.C. 1681n ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681n. The inaccurate or incomplete information listed below is causing harm to my credit score and, consequently, my financial standing. Please treat this as a formal dispute.

Item ( s ) in Dispute : 1. Account Name : XXXX  Account Number : XXXX I request that you investigate the validity of the disputed information. If it is found to be inaccurate or incomplete, I ask that you DELETE it from my credit report in accordance with the FCRA. 
As provided under 15 U.S.C. 1681n, I am aware that you are required to perform a reasonable investigation of the dispute and respond within 30 days of receiving this notice. If you do not resolve this dispute in my favor, I reserve the right to pursue further legal action, including but not limited to filing a claim for damages due to any willful or negligent noncompliance with the FCRA. 
Please confirm receipt of this dispute and inform me in writing of the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information that your company supplied XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ).

This item DEPT OF ED/AIDVANTAGE is inaccurate because the account belongs to someone else. I am requesting that XXXX have the item removed. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a copy of my TransUnion consumer report and I noticed some inaccurate information posted on my consumer report. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}

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 2025-01-13 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: CA

Complaint narrative:
I recently submitted a dispute regarding certain items on my credit report, and I received a response stating that the items were verified. While I appreciate your prompt response, I would like to understand more about how TransUnion investigates disputed items. 

Could you please provide detailed information on the following : Investigation Process : What steps are taken to investigate a dispute? Are there specific procedures or guidelines that your team follows? 

Verification Methods : How do you verify the accuracy of the information with the original creditor? What documentation or evidence is reviewed? 

Timeframe : What is the typical timeframe for completing a dispute investigation? Are there any factors that might cause delays? 

Resolution : If an item is found to be inaccurate, what steps are taken to correct it? How is the corrected information updated on 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 explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I have checked my credit report and saw an account that is rather confusing. The account XXXX XXXX XXXX with an account number XXXX is reported incorrectly. I have disputed this account since XXXX XXXX XXXX. I asked TransUnion to make this account 100 % correct. I believe that if they have a document with my signature, they can easily make this happen. Now I knew that they do not have a documents with my signature on it so I would like this account to be removed immediately. Attached is the previous letter that I sent to TransUnion with my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making XXXX XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TN

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. 
Account name : XXXX XXXX, account # : XXXX has violated my rights. 

I looked at my Experian Credit Report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: U.S. BANCORP
State: IL

Complaint narrative:
My information was used in a data breach and they used my information too open accounts in my name put fraudulent checks in the account applied for credit cards tried to get phones in my name I made a police 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 2025-01-13 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My information was used in a data breach and they used my information too open accounts in my name put fraudulent checks in the account applied for credit cards tried to get phones in my name I made a police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief