vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent multiple requests to verify unknown inquiries on my credit report during the months of XX/XX/year> and XX/XX/year>. The credit bureaus did not investigate my request properly nor verified that these inquiries were authorized by myself. These inquiries are unauthorized. Im asking the credit bureaus to verify my authorization based on section 609 of the fair credit report act. Verify each and every inquiry or delete from 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 2024-12-12 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: VA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding violations by the three major credit reporting agenciesXXXX, XXXX, and TransUnionof federal laws designed to protect consumers, including : 1. 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ) : The credit reporting agencies have failed to ensure the accuracy, fairness, and privacy of my credit information, as required under this law. Specifically : Inaccurate Information : My credit reports contain inaccuracies that persist despite multiple disputes and documentation provided to substantiate my claims. 
Failure to Investigate : The agencies have not fulfilled their statutory obligation to conduct thorough investigations into my disputes within the required time frame. 
Reinsertion of Deleted Information : Information that was previously removed from my credit report after being found inaccurate was subsequently reinserted without proper notification or re-verification, as required by the FCRA.

2. 15 U.S.C. 6805 ( Gramm-Leach-Bliley Act - GLBA ) : The credit reporting agencies have not adhered to their responsibilities under the GLBA, particularly regarding : Safeguarding of Sensitive Information : The agencies have not properly secured my sensitive consumer information, leaving it vulnerable to unauthorized access.

Breach Notification : I have not received proper notification of potential breaches or unauthorized disclosures of my personal data.

3. 16 C.F.R. Part 313 ( Privacy of Consumer Financial Information ) : There appears to be non-compliance with privacy regulations, including : Unauthorized Sharing of Information : Nonpublic personal information has been shared with third parties without my explicit consent, in direct violation of privacy rules. This is Identity Theft Harm Experienced These violations have caused significant harm to me, including : Denial of Credit : I have been denied financial opportunities due to inaccurate credit information.

Emotional and Reputational Damage : The ongoing inaccuracies and breaches have caused undue stress and harm to my reputation.

Financial Burden : I have incurred additional costs and time in attempting to resolve these issues.

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 2024-12-12 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: VA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding violations by the three major credit reporting agenciesEquifax, XXXX, and XXXXof federal laws designed to protect consumers, including : 1. 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ) : The credit reporting agencies have failed to ensure the accuracy, fairness, and privacy of my credit information, as required under this law. Specifically : Inaccurate Information : My credit reports contain inaccuracies that persist despite multiple disputes and documentation provided to substantiate my claims. 
Failure to Investigate : The agencies have not fulfilled their statutory obligation to conduct thorough investigations into my disputes within the required time frame. 
Reinsertion of Deleted Information : Information that was previously removed from my credit report after being found inaccurate was subsequently reinserted without proper notification or re-verification, as required by the FCRA.

2. 15 U.S.C. 6805 ( Gramm-Leach-Bliley Act - GLBA ) : The credit reporting agencies have not adhered to their responsibilities under the GLBA, particularly regarding : Safeguarding of Sensitive Information : The agencies have not properly secured my sensitive consumer information, leaving it vulnerable to unauthorized access. 
Breach Notification : I have not received proper notification of potential breaches or unauthorized disclosures of my personal data.

3. 16 C.F.R. Part 313 ( Privacy of Consumer Financial Information ) : There appears to be non-compliance with privacy regulations, including : Unauthorized Sharing of Information : Nonpublic personal information has been shared with third parties without my explicit consent, in direct violation of privacy rules. This is Identity Theft Harm Experienced These violations have caused significant harm to me, including : Denial of Credit : I have been denied financial opportunities due to inaccurate credit information. 
Emotional and Reputational Damage : The ongoing inaccuracies and breaches have caused undue stress and harm to my reputation.

Financial Burden : I have incurred additional costs and time in attempting to resolve these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Also this is my second attempt at getting the information removed, but was denied due to address issues. the current address XXXX XXXX XXXX, XXXX  XXXX is my current address.

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Its been unpleasant and upsetting journey dealing with Bank of America hands down this has got to be the worse financial institution Ive ever experienced. On XXXX I submitted a complaint followed by dates of XXXX, XXXX, regarding stolen funds for my account. Not only did they not fully refund what was stolen from my account they also went over the 60 day deadline of having to have this matter resolved. In addition to that they also shut down my account with them for no particular merit. Calling almost everyday after the 60 day deadline they had to reach with no answer or resolution on the Monday following thanks giving I was told by the agent on this matter XXXX that they came to a decision of refunding {$4600.00} and that {$3100.00} unfortunately, we determined there wasnt an error on the following transactions. I spoke to XXXX on XXXX the day before XXXX  and also XXXX which come to find out they started refunding the account on XXXX the same day I spoke to her and also the day after. I wasnt told the decision until that following Monday. They stated that unfortunately they determined there wasnt no mistake for the {$3100.00} when all of this is connected. This was all one claim from the beginning for {$7800.00} stolen out of my account. It makes zero sense clearly they just pick and choose on how to refund what they want. It is now XXXX I havent yet to receive the payment because they said they sent it to a different address and that I would have to wait 180 days to receive a new check. I even asked to walk into a branch to collect my funds/property they denied. I then asked can they express send it via XXXX or XXXX which they also denied. Now Im told I have to wait 180 if that check does not get to me. I will not get my local news involved in this matter if I am not returned my full amount of {$7800.00}. If they refuse I will also involve an attorney.

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 monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Also this is my second attempt at getting the information removed, but was denied due to address issues. the current address XXXX XXXX XXXX XXXX XXXX is my current address.

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 2024-12-12 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-12 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-12 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.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: NY

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I requested XXXX to delete my federal loan amount from my credit report because the entire amount was forgiven by the US Department of Education. This reflects not only on the FAFSA website but also NelNet who were the holder of the loan amount. XXXX only deleted a portion of the amount and not the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: MO

Complaint narrative:
I'd discover inaccurate information on my consumer file. Clear violation of Fair Credit Report ACT. I have been disputing this information for longest time now. I've been a victim of XXXX XXXX Data Breach. Affidavit has been attached regarding the case.

Consumer Reporting Agencies are not investigating under 15 U.S. Code 1681i. I do not receive any investigation details. 

Accounts ; XXXXXXXX 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 2024-12-12 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: MO

Complaint narrative:
I'd discover inaccurate information on my consumer file. Clear violation of Fair Credit Report ACT. I have been disputing this information for longest time now. I've been a victim of Equifax XXXX  Data Breach. Affidavit has been attached regarding the case. 
Consumer Reporting Agencies are not investigating under 15 U.S. Code 1681i. I do not receive any investigation details. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: MA

Complaint narrative:
I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution. 

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the XXXX  Consumer Protection Act, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue.

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response.

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: MA

Complaint narrative:
I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution.

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute.

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the XXXX  Consumer Protection Act, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear English have only compounded the issue.

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response.

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.

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 2024-12-12 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: LA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-12 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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