vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft and fraud. I will list the fraudulent accounts, XXXX  on XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX on XXXX account XXXX XXXX, XXXX XXXX XXXX on XXXX account XXXX XXXX, XXXX on XXXX account XXXX XXXX, XXXX XXXX on XXXX account XXXX XXXX. These accounts have resulted in several fraudulent inquiries, collections and charge offs on my XXXX credit report. I demand that the aforementioned fraudulent items be removed from each consumer credit report and all the collection activity related to said items cease pursuant to my rights within the FCRA and the FDCPA laws. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

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 2024-11-20 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of t multiple fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the results of identity theft and fraud. I will list the fraudulent accounts, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  on XXXX account XXXX XXXX, XXXX XXXX XXXX on XXXX account XXXX XXXX, XXXX on XXXX account XXXX XXXX, XXXX XXXX on XXXX account XXXX XXXX. These accounts have resulted in several fraudulent inquiries, collections and charge offs on my XXXX credit report. I demand that the aforementioned fraudulent items be removed from each consumer credit report and all the collection activity related to said items cease pursuant to my rights within the FCRA and the FDCPA laws. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late/Closed Inquiries in Dispute : XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Balance : 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 2024-11-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report, Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have spent an enormous amount of time, proof and effort only to be given the same response. " That either myself or someone I authorized '' had made these purchases. I will restate that -I was nowhere in the vicinity of where the transactions occurred and I have never authorized anyone. Every claim I have submitted to bank of America has been denied due to the above mentioned reason. The part that I'm not understanding is that I received a compensation check from bank of America for the same time period in which my claims stated I had not made those transactions. I believe it stands to reason that if Bank of Americas individualized review process came to the conclusions that I did not have access to those funds and issued a check to me as compensation for me not having access to those funds, than how could the prepaid card investigation team come to a conclusion that either myself or somebody I authorized had used those funds. XXXX Bank of Americas XXXX came to their conclusion without me providing any information, The prepaid investigation team have been given on multiple occasion information showing it was not possible for me to have made those transactions. I really hope that this complaint is addressed correctly and that my funds are returned to me.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im a victim of fraud and Im trying to open an account with a few banks and I have been turned down Bank of America closed my account and I dont know why and its hard for me to get my account back I dont owe any money

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge account XXXX XXXX XXXXXXXX XX/XX/XXXX {$XXXX} Credit Card XXXX  XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Auto XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Individual XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX Credit Card XXXX XXXXXXXX XXXX XXXX} Credit Card XXXXXXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
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.

All of these accounts have miss information, whether it be my address, the amount owed or charge off or active. I did not provide my signature nor have they provided me with proof of my signature of these debts. I was a victim of the most recent Identity theft and the Equifax XXXX data breach and the XXXX and XXXX data breach. As the Law demands, I demand the following be removed with 4 days of receiving this message. 


I demand the these accounts be removed immediately. 

Name of Account Account Number Verification XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
XXXX XXXX XXXX - XXXX XXXX Identity Theft. 
XXXX XXXX XXXX  Identity Theft. 
XXXX XXXX Identity Theft. 
XXXX XXXX Identity Theft. 
* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file. 


Thank You, XXXXXXXX XXXX XXXX  XXXX, the XXXX XXXX has signed and sealed these presents the day and year first above written.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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.

All of these accounts have miss information, whether it be my address, the amount owed or charge off or active. I did not provide my signature nor have they provided me with proof of my signature of these debts. I was a victim of the most recent Identity theft and the XXXXXXXX XXXX data breach and the Experian and XXXX data breach. As the Law demands, I demand the following be removed with 4 days of receiving this message. 


I demand the these accounts be removed immediately. 

Name of Account Account Number Verification XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
XXXX XXXX XXXX - XXXX XXXX Identity Theft. 
XXXX XXXX XXXX Identity Theft. 
XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
* Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.

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 2024-11-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fraudulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-11-20 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a complaint ( CFPB Complaint # XXXX ) against Experian regarding inaccurate credit reporting on the XXXX Mortgage account ending in XXXX. Experian acknowledged my complaint on XX/XX/year>, but has not yet provided a final resolution or substantive response. 

This delay violates the FCRA, which requires credit reporting agencies to conduct a reasonable investigation and respond to disputes within 30 days. Experian has failed to comply, prolonging the harm caused by their inaccurate reporting. I respectfully request immediate action to fully resolve this matter and provide a final response by XX/XX/year>.

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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year> I secured a 0 % interest from XXXX XXXX, XXXX XXXX XXXX XXXX This balance transfer was to help pay off my XXXX XXXX. They sent the balance transfer to Barclays. 
Check was for {$15000.00}, the other check was for {$2900.00}. I have tried to resolve this issue daily for the last year with no results. Barclays will not respond as I do not have an account at Barclays as a result, someone transferred me to a scam line calling themselves the FTC. 
The FTC scammed me out of about {$150000.00} saying that they would secure my XXXX that I was calling about the first place. 
I ended up being forced to secure a loan, cash out from my already paid for house. In doing so the loan company required me to pay off XXXX XXXX  ( I have been making payments all along, trying to act in good faith ) As well as my XXXX XXXX The scammers also cleared out all of my bank accounts via credit card scam. I am a XXXX XXXX  on a fixed income, trying to resolve this more than a year.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am deeply disappointed by your continued failure to address the inaccuracies on my credit report. Despite submitting multiple disputes with clear evidence, you have repeatedly verified incorrect information, which is both negligent and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

This ongoing issue is unacceptable. I demand a comprehensive reinvestigation of the attached documentation and expect you to correct or remove the inaccurate information immediately to ensure my credit report is 100 % accurate.

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 2024-11-20 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 disappointed by your continued failure to address the inaccuracies on my credit report. Despite submitting multiple disputes with clear evidence, you have repeatedly verified incorrect information, which is both negligent and a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

This ongoing issue is unacceptable. I demand a comprehensive reinvestigation of the attached documentation and expect you to correct or remove the inaccurate information immediately to ensure my credit report is 100 % accurate.

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 2024-11-20 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.

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XX/XX/XXXXXXXX XXXX Charge account XXXX XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX  Credit Card XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XX/XX/XXXX {$XXXX} Credit Card XXXX XXXX/XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/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 2024-11-20 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: IL

Complaint narrative:
This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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