vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: AL

Complaint narrative:
Equifax is reporting an open account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX XXXX Fair Credit Reporting Act 15 USC 1681 section 602

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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 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 2024-09-10 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: GA

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 2024-09-10 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account # XXXX Unverified Account XXXX Account # XXXX Unverified Account XXXX Account # XXXX Unverified Account I have the right to accurate and updated information on my credit report. Incorrect details, like an invalid address, and inaccurate accounts reporting can negatively affect my creditworthiness. I request the removal of any inaccuracies related to my address and any unsubstantiated information. According to the FCRA, you have 30 days to resolve this dispute and inform me of the results. 


Thank You, 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 2024-09-10 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: GA

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 2024-09-10 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: GA

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 explanation
Consumer complaint received 2024-09-10 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account ( XXXX ) below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC. ever According to the fair credit reporting act Whenever a consumer reporting agency prepare 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 XXXX XXXX XXXX ( XXXX ) ( b ) MY XXXX XXXX was reported incorrectly Capital One XXXX XXXX Disclose Notice reported my XXXX XXXX XXXX as XXXX as of dated on XX/XX/year>. ( XXXX point XXXX ) However I pulled my XXXX report XXXX days before on XXXX XXXX and my XXXX XXXX is XXXX. XXXX point lower

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
WFBNA account # XXXX For over two years, I have been disputing XXXX to have this account removed from my credit report. I formally challenged the accuracy of the information reported by XXXX, XXXX, and XXXXprivate companies that collect and sell datadue to the inaccuracies present. I am frustrated by my repeated attempts to have this information removed, only to be ignored by the company. This situation has negatively impacted my credit, preventing me from applying for loans and lines of credit, resulting in higher interest rates and denial of credit access. I AM protected by law and XXXX IS BREAKING THE LAW 15 U.S. Code 1666b 15 U.S. Code 1681e

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 2024-09-10 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:
On XX/XX/XXXX, I filed an identity theft report with the FTC identifying XXXX  accounts ( XXXX and XXXX ). 

According to the Fair Credit Reporting Act ( FCRA ), these accounts should have been blocked and removed from my consumer reports, but they remain listed. XXXX, XXXX only initiated their own identity theft investigation on XX/XX/XXXX, months after the FTC report and seemingly in response to a recent CFPB complaint. This delay highlights a failure in communication between consumer reporting agencies and furnishers and their lack of adherence to proper procedures. Despite this investigation, XXXX  has not validated the alleged debts or provided the required documentation requested in previous correspondence, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, none of the consumer reporting agencies ( XXXX, XXXX, and TRANSUNION ) have deleted this information. Moreover, despite XXXX 's claim that they would cease all communications as of XX/XX/XXXX, XXXX continues to send unauthorized communications to consumer reporting agencies and has not removed the disputed tradeline entries from my reports. 

The consumer reporting agencies have demonstrated a severe failure to follow proper procedures by neglecting to promptly delete the fraudulent entries associated with XXXX accounts from my credit reports. Despite my timely identity theft report filed with the FTC on XX/XX/XXXX, which required the immediate removal of these accounts, the agencies have failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their negligence in updating their records and removing the disputed entries not only contravenes federal regulations but also continues to cause significant harm to my profile. This oversight reflects a serious lapse in their responsibility to ensure the accuracy and integrity of consumer reports, exacerbating the damage to my financial standing and rights.

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 2024-09-10 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:
On XX/XX/XXXX, I filed an identity theft report with the FTC identifying XXXX  accounts ( XXXX and XXXX ). 

According to the Fair Credit Reporting Act ( FCRA ), these accounts should have been blocked and removed from my consumer reports, but they remain listed. XXXX, XXXX only initiated their own identity theft investigation on XX/XX/XXXX, months after the FTC report and seemingly in response to a recent CFPB complaint. This delay highlights a failure in communication between consumer reporting agencies and furnishers and their lack of adherence to proper procedures. Despite this investigation, XXXX  has not validated the alleged debts or provided the required documentation requested in previous correspondence, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, none of the consumer reporting agencies ( EQUIFAX, XXXX, and XXXX ) have deleted this information. Moreover, despite XXXX 's claim that they would cease all communications as of XX/XX/XXXX, XXXX continues to send unauthorized communications to consumer reporting agencies and has not removed the disputed tradeline entries from my reports. 

The consumer reporting agencies have demonstrated a severe failure to follow proper procedures by neglecting to promptly delete the fraudulent entries associated with XXXX accounts from my credit reports. Despite my timely identity theft report filed with the FTC on XX/XX/XXXX, which required the immediate removal of these accounts, the agencies have failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their negligence in updating their records and removing the disputed entries not only contravenes federal regulations but also continues to cause significant harm to my profile. This oversight reflects a serious lapse in their responsibility to ensure the accuracy and integrity of consumer reports, exacerbating the damage to my financial standing and rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
I do not recognize the credit inquires and I have asked the bureaus to remove these inquires, however the bureaus did not remove the inquires as I asked them. 

Herein, I am providing " Identity Theft Report '' which is attached to this complaint. 

I am requesting these inquiries to be removed since they are inaccurate and unauthorized and not of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: LA

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 2024-09-10 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a payment through Bill Pay through my bank where the money is " pushed '' from my account. The respondent is refusing to post the payment to my account.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX refuses to delete my account that someone else has access to. I called them gave them my ID with my address passed the questions, and the still open the account back up under the email that was hacked which is XXXX XXXX XXXX refuses to respond at all. 
XXXX credit XXXX XXXX has an someone registered with an outlook email account, with two numbers ending in XXXX, and XXXX that does not belong to me. I sent them a letter in the beginning in the year asking for a report and they never sent it. And I just received a report in XXXX, and someone applied for a bank account on XX/XX/XXXX. Amongst other things they been applying for during the month of XXXX. 

Since XXXX of this year someone has been hacking all of my emails, and phone numbers. 
XXXX XXXX XXXX ( this is the one that is under the chex system ) XXXX XXXX XXXX XXXX there are more as well as my social media accounts been stolen. My XXXX account is still up in my name and someone deleted all my friends is using it. Several phone number has been compromised, and hacked. Infact all of my social medial accounts have been hacked. If I was to create a new one it will get hacked. Someone has went out of there way to make sure I am not XXXX XXXX and they're. 

I have been doing everything, this is interfered with my living. And my lifestyle. People have been sitting in front of my door logging into my wifi, to hack into my devices. I switched to a landline and someone is still on my phone. I need help. I believe someone has been in my home. I believe a device in on my car. People have been following my. My rights have been violated and I have not gotten any help. 
I also believe someone or people are working under my certification. 
I believe my XXXX XXXX XXXX XXXX XXXX XXXX is being used. 

Please assist me 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
The specific account in question is with ALLY FINANCIAL, account number XXXX. My credit report inaccurately states that this account was " paid in full for less than full balance '' and includes the comment, " Completed investigation of FCRA dispute - consumer disagrees. '' I contacted Ally Financial, and we reached an agreement where I would pay a specified amount to formally close the account. Part of this agreement included XXXX XXXX XXXX  commitment to remove the account from my credit report. However, despite fulfilling my end of the agreement, Ally Financial did not contact the credit bureaus to update or remove the account as promised even after contacting them severally. As a result, I initiated a dispute with XXXX, and XXXX, to address the fact that I paid off the debt in full with Ally Financial as agreed and to request that the account be deleted from my credit report. 

Issues with the Dispute Resolution : Despite providing supporting documentation and a detailed explanation, XXXX concluded the investigation adding negative comment. This outcome has left inaccurate and misleading information on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) to have only accurate and fair information reported. 

Requested Action : I request that your office investigate this matter thoroughly and ensure that both the credit bureaus and Ally Financial comply with FCRA regulations by : Conducting a comprehensive and fair investigation into my dispute. Removing or correcting the inaccurate information from my credit report. Ensuring that I am promptly notified of the results of any investigations and the actions taken. Please consider this letter a formal complaint. I kindly request that you keep me informed of any actions taken by your office. If you require any further documentation or information, I am more than willing to provide it. Thank you for your attention to this matter. I look forward to a prompt and fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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