vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: NE

Complaint narrative:
Unauthorized inquiries have been detected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX in XXXX of 2021. Wife XXXX XXXX XXXX was co-owner of the account but inactive. The account had {$3500.00} and it was reduced to a small balance but we were unaware that monthly fees would be charged as the balance was reduced below a certain level. As the account was inactive and we were conducting no business with XXXXXXXX XXXX we were unaware that they first took the entire balance in fees then created a negative balance, and continued to add additional fees, charge interest and report delinquency. As we became aware through a telephone call from their collection department we did pay off the balance but desire the negative reporting removed or amended to indicate their billing and activity caused the concern, not actions on our part. In a perfect world they would refund the {$80.00} original balance as well as {$55.00} in additional fees and interest that we have paid to satisfy and close the 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 2024-03-13 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: NE

Complaint narrative:
Unauthorized inquiries have been detected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
It all started in XXXX, when he received an email from the IRS. asking me for tax documents. So, on Friday, XX/XX/XXXX, I called the XXXX team to recover my Email Account and phone number because they had been hacked. Then this person called XXXX XXXX from XXXX told me that my computer and phone had been hacked. He also told me that he had to check my bank accounts and asked me which bank I had? Then he linked me to a PNC Bank agent to help me with that case. His name is XXXX XXXX. He told me that he worked in the tower at PNC XXXX XXXX XXXX XXXX XXXX, PA XXXX he already had full access to my bank account. And he said that there was a transfer of XXXX USD to XXXX that had already purchased XXXX XXXXXXXX. Then he told me that to cancel that transaction I had to make another transaction of that same quantity so that there were XXXX and to be able to have the fake one. And then I put my money in a high security account that same day, Friday, I withdrew XXXX XXXX USD from my debit account, I went to the local bank to withdraw the money and deposit it in a XXXX machine, and then all that money would return to my secure account. After he took out all that money, on Monday weekend, which was Saturday and Sunday, he did nothing, he started asking me to buy gift cards at XXXX XXXX and XXXX and cards for the amount of XXXX USD and XXXX  USD. In the end I got tired Oh because I saw something strange in everything that was happening and I went to my local bank and told them about this person and they told me that they didn't do that and that I had been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX - XXXX XXXX Acct # : XXXX - {$790.00} XXXX XXXX XXXX XXXX  Acct # : XXXX - {$0.00} XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX Acct XXXX : XXXX - {$1200.00} XXXX XXXX XXXX XXXX  Acct # : XXXX - {$300.00} XXXX XXXX Acct # : XXXX - {$0.00} XXXX XXXX Acct # XXXX XXXX - {$650.00} XXXX XXXX Acct # XXXX XXXX - {$0.00} XXXX Acct # : XXXX - {$1400.00} XXXX XXXX  XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX  XXXX XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of payment history on my credit report with the account number XXXX. The violations under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681s-2 and 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), have caused significant emotional and physical distress. Despite the definition of " consumer report '' excluding reports containing information solely as to transactions or experiences between the consumer and the persons making the report, the inaccurate reporting of transactions on my account constitutes a direct violation of the FCRA. I request an immediate reversal of the account status to " Paid as Agreed '' or " OK '' status and compensation of {$1000.00} per FCRA violation.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute a hard inquiry that appeared on my credit report. I have no recollection of authorizing this inquiry or having any association with those creditors.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
am writing to dispute a hard inquiry that appeared on my credit report. I have no recollection of authorizing this inquiry or having any association with those creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: NJ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute a hard inquiry that appeared on my credit report. I have no recollection of authorizing this inquiry or having any association with those creditors.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their repeated failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Transunion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report during these correspondences. To aid Transunion in verifying my identity and address, I ensured to include a copy of my photo ID, social security card, and a recent bill with my current address. 

These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing ample documentation to verify my identity and address, Transunion has failed to acknowledge or act upon my disputes within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Transunion 's repeated lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I received a response back from Transunion dated XX/XX/2023 and XX/XX/2023 stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Transunion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Transunion along with Transunion 's response as proof.

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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have requested multiple times a breakdown of charges and a reasonable settlement. To date I have received neither. Now its at an attorney office most likely increasing the total due unnecessarily.

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 2024-03-14 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently received a copy of my credit report i was utterly 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 and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
I am requesting the removal of this inaccurate late payment from my account. My payment history demonstrates consistent timeliness, and it is unfair for me to face consequences for an error beyond my control. I ask that you promptly correct my account to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX have not removed inaccurate data/inquiries from my account due to fraud. FTC Complaints made also. 

Can you please remove the following inquires below from Experian, XXXX reports I have hired a professional company however the credit agencies are not compliant. 

Experian : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am unaware of this debt, I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name and signature stating I received it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my credit report i was utterly 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 and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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