vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed inquiries to be blocked and deleted company information from TransUnion. 

Please delete the following inquiries : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX BANK 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 2024-11-14 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: MA

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 please 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 2024-11-14 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 submitted ftc report to Experian, XXXX, XXXX as well as a written formal dispute and request to remove XXXX fraudulent/unauthorized XXXXXXXX XXXX XXXX XXXX  accounts. I demand that these accounts be removed from my credit report. I have submitted identity theft report and supporting information.

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 2024-11-14 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am reaching out to file a formal complaint regarding unauthorized inquiries that have been added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only provide my credit report to third parties under permissible purposes as defined by the Act. The following inquiries appear on my report without any authorization and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not approved by me, and no legitimate application or request for credit was made to warrant these entries. Per the FCRA, credit reporting agencies are responsible for removing unauthorized or erroneous entries from my report once they are brought to their attention. 

Additionally, credit reporting agencies have previously been sued for failing to remove unauthorized inquiries, as in the case of " XXXX v. XXXX '', which highlights their duty to act promptly in such matters. Despite my attempts to resolve this directly with the agency, the inquiries remain. 

Thank you for your attention 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 explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am sending this complaint to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all accounts that were compromised or affected by this breach be immediately blocked and deleted from your records. 

XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any accounts connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy federal stole my funds, and tried to blame me for a company error. My credit card, was funded by my money and not the banks money. Also, taking out my funds without my permission, and denied me acesss to my account, and also knowing that there isn't a branch nearby, they told me whatever they felt like, even it wasn't a fact. My checking account balances are all XXXX, and they left {$1.00}, in my savings account just to keep it open. I had XXXX in XXXX of my checking accounts at the time covid hit us all. This credit union, did what all banks seem to do, and that's legally steal people money, and get away with it. This is a crime, and I would like someone be held accountable for those malicious business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-14 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: CA

Complaint narrative:
I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX * & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
As per XXXX XXXX XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-11-14 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: MS

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I just checked my credit report today and found unauthorized inquiries that I can not explain. This is incredibly frustrating, and despite refreshing my browser to see if it was a glitch, the inquiries remained. I urgently need a thorough review of the documents I sent so this issue can be resolved, and I can stop worrying about it happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
XX/XX/year> Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting.

Summary of Errors on Account 30-Day Late Payment : Incorrectly reported as 30 days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/year> and XX/XX/year>. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I noticed unauthorized accounts on my report that seem to have been added without permission. I request they be blocked and removed promptly.

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 2024-11-14 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: VA

Complaint narrative:
I have 2 Accounts Reporting on my credit Report That was open in XXXX and I was only XXXX XXXX XXXX at this time these accounts do not belong to me and I will like them deleted immediately due to FCRA its a XXXX XXXX account and a XXXX XXXX  account, I was Born in XXXX I was not even XXXX XXXX to open a account will upload 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have 2 Accounts Reporting on my credit Report That was open in XXXX and I was only XXXX XXXX XXXX at this time these accounts do not belong to me and I will like them deleted immediately due to FCRA its a XXXXXXXX XXXX  account and a XXXX XXXX  account, I was Born in XXXX I was not even XXXX XXXX to open a account will upload 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 explanation
Consumer complaint received 2024-11-14 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: NH

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 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 explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made without my authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The unauthorized inquiries I am disputing are as follows : Experian XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I have not provided consent for these inquiries, nor have I applied for credit with these creditors. Under the FCRA, only creditors who have a permissible purpose ( such as an application for credit or a background check for employment ) are authorized to pull my credit report. 

As you are required to maintain accurate information on my credit report, I request that these unauthorized inquiries be removed immediately. 

In addition, I would appreciate a written confirmation that you have investigated this matter and that the inaccurate entries have been corrected or removed. Please provide me with a copy of the updated credit report reflecting the corrections. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to my dispute. If you are unable to verify that the inquiries were authorized, I request that they be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you need any additional information from me to complete your investigation.

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 2024-11-14 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:
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 XXXX please 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 HAVE IDENTIFIED ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT AS A RESULT OF IDENTITY THEFT. ATTACHED YOU WILL FIND THE FTC REPORT, MY CONSUMER STATEMENTS, AND MY IDENTIFICATION PROVING MY IDENTITY AND THAT THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IVE TRIED TO CONTACT THE COMPANIES DIRECTLY TO NO AVAIL.

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 2024-11-14 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 HAVE IDENTIFIED ACCOUNTS AND INQUIRIES ON MY CONSUMER REPORT AS A RESULT OF IDENTITY THEFT. ATTACHED YOU WILL FIND THE FTC REPORT, MY CONSUMER STATEMENTS, AND MY IDENTIFICATION PROVING MY IDENTITY AND THAT THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IVE TRIED TO CONTACT THE COMPANIES DIRECTLY TO NO AVAIL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am unaware of this debt I didn't have an opportunity to dispute this information if in fact if you believe you gave me proper notification then please send me the certified receipt with my name and signature.

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