vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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:
On XX/XX/year>, I submitted a formal dispute to Equifax regarding inaccuracies and fraudulent accounts appearing on my credit report. These accounts are a result of my personal information being compromised in a data breach. 

I provided a detailed explanation of the breach, along with the following supporting documents : Affidavit of Identity Theft, Proof of Address, Copy of My Drivers License, Social Security Number Verification, Documentation of the Data Breach Incident Despite providing this evidence, I am concerned that the accounts in question may not have been properly investigated or verified as required under the Fair Credit Reporting Act ( FCRA ).

Which is a Violation of my Consumer Rights : Equifax has a legal obligation to : XXXX. Conduct a reasonable investigation when a dispute is submitted. 
XXXX. Verify all disputed accounts with original creditors or delete them if they can not be verified. 
XXXX. Ensure the accuracy of all information included in my credit report. 

Failure to fulfill these obligations puts me at risk of further harm, both financially and personally. 

The accounts in question, as listed on my Equifax credit report, are : 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 XXXXXXXX : I request the following actions : A thorough investigation into the disputed accounts and removal of any fraudulent or inaccurate information. 
Written confirmation that each account has been fully verified and validated.

Immediate compliance with FCRA guidelines to ensure my consumer rights are protected.

Thank you for your attention to this urgent matter. I expect a timely resolution to prevent further damage caused by this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: IA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-06 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: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On the XXXX of XXXX Due to compromised credentials they decided to close my account I informed them I had a direct deposit I was not going to be able to redirect. This money is my service connected XXXX pay and all the money I receive every month. I've escalated the issue twice, call daily and still have gotten nowhere. Now my rent along with all my other bills are late

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 2024-12-06 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 was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: OK

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello! I found two unauthorized fraudulent inquiries on my credit report.Please help me to remove those unauthorized inquiries from my credit file.

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 2024-12-06 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: PA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: VA

Complaint narrative:
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  Subject : Reporting FCRA Violation Against Equifax LLC Dear Sir/Madam, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax LLC . I have noticed a concerning discrepancy on my Equifax credit report concerning my XXXX XXXX XXXX XXXX  account. 

This account, which I opened on XX/XX/XXXX, has consistently remained in good standing with no late payments. However, I have observed that Equifax has removed this positive credit card account from my report. In contrast, my XXXX credit report reflects the positive payment history associated with this account. 

I believe that this removal constitutes a violation of 15 U.S.C. 1681, which emphasizes the importance of accuracy and fairness in credit reporting. This discrepancy not only affects my credit score but also misrepresents my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and insist that Equifax restore my First Progress account to my credit report, reflecting its accurate status. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Account : 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

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 2024-12-06 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: UT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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:
My right to privacy is protected under laws enacted by XXXX to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: MO

Complaint narrative:
To whom it may concern, According to the provisions of the fair Credit Reporting Act Section 611 ( a ) [ 15 USC 1681i ( a ) ], the reporter of any questionably reported items must be reinvestigated or deleted from my credit record within 30 days. Being undoubted that the Federal Reporting law ( s ) stipulates that you must investigate within 30 days of receiving my document and respond within 5 days of completing your investigation. I have to date XXXX confidence nor evidence suggesting that you have indeed followed the stipulations of the law muchless the established reporting industrys strict outlined for principled and complaint procedures, polices, and processes for lawful reporting. Remove now these following indicated derogatory allegations versus me :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I have a secure credit card with SDCCU. I used to have al my accounts with them in the past but given their poor track record and inefficiency to do basic math and wasting clients time to have us explain them simple things about balances and how payment works made me move all my other account to XXXX XXXX. So this secured credit card had a {$20.00} balance i had to pay at the end of the month. I was XXXX  over a family emergency and when i got back i saw my credit report had dipped by XXXX XXXX  on XXXX I wnet immediately to the closest branck getting persmission from my work to apy it off and have the account closed. The rep was kind and she explianed me i had unused miles that i can use before closing so i had payed them {$400.00} in cash while the initial amount they gave me back was XXXX on the prior request of closing the account. Now that i wanted to use my points i felt i can have the account open for another month. So the payment was made, the bankers there had the math completely wrong and i had to go back there again on my XXXX  from requesting another break from work to explain them what the math looked like. They agreed i was correct and had it reverted. I would like them pull the incorrect inquiry of my report immediately as i am in the process of refinancing my house and i dont apprecaite them reporting absolute garbage immediately and taking 30 days to recitfy it. I would seek CFPB to assist me providing lost wages for the time i took to resolve this in person and also the damge they caused to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXX  XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, Citi received a letter from my attorney demanding immediate resolution as to the matter of the unauthorized transaction dispute in the amount of {$170.00} by either crediting my account for the stated amount or conducting a complete investigation of the matter, including acquiring a receipt from the merchant. Citi refuses to conduct a complete investigation by not reaching out to the merchant to acquire a receipt from the merchant in violation of the The Fair Credit Billing Act of 1974. Please see attached. On XX/XX/XXXX, Citi received an additional letter demanding that they either credit my account for the disputed amount of {$170.00} or pay for and open up an arbitration hearing with the XXXX XXXX XXXX, per their card agreement. Citi is currently in breach of their card agreement. Please see attached. Finally, on XX/XX/XXXX, I asserted my rights under Federal Law ( 15 USC 166i ) and Cal. Civ. Code 1747.90 claims and defenses. To withhold payment until this matter was resolved. Citi responded by threatening to report my account as past due to the XXXX major credit reporting agencies.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX refuses to give me any information on an alleged account that's under my name. 
according to 15 USC 1692G there are four things asked XXXX to send me about this alleged debt. 1.detailed list of the history of payments made by me on this account. 2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.3.Im asking to see has any insurance claim filed on this and lastly, I want proof that you have the chain of title to collect on this debt if you can not verify or send me these things I demand you remove this debt from my credit report under 15 USC 16 92g . they continue to report three different inaccurate reports in the same months to XXXX different bureaus They refused and said they could not help me and are reporting XXXX different things on my credit report violating my rights. I have submitted the proof of the cop [ y of how its being reported

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 2024-12-06 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: MI

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

account name : XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief