vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 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 called the company XXXX XXXX XXXX XX/XX/year> to settle out the account they told me I can settle the account with an amount of {$200.00} and that they would remove from my credit report. I was also told that the call was on a recorded line. Well like a week later they changed my credit report saying that I owed them a balance so I called them back and spoke to the manager and was also told that it would be corrected to what I was told on a recorded line. So now a few days after that they sent me a email stating that my account was placed on a payment plan which is not true. I want this account removed from my account or I will sent legal counsel because I know my rights and they have violated them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I called the company XXXX XXXX XXXX XX/XX/year> to settle out the account they told me I can settle the account with an amount of {$200.00} and that they would remove from my credit report. I was also told that the call was on a recorded line. Well like a week later they changed my credit report saying that I owed them a balance so I called them back and spoke to the manager and was also told that it would be corrected to what I was told on a recorded line. So now a few days after that they sent me a email stating that my account was placed on a payment plan which is not true. I want this account removed from my account or I will sent legal counsel because I know my rights and they have violated them.

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 2024-10-24 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 and noticed i had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-24 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute a late payments reported on my credit file associated with my account number XXXX. I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Additionally, I would like to point out that this account has already been removed from the XXXX credit agency by order of the CFPB ( Consumer Financial Protection Bureau ). I request that it also be deleted from the other credit bureaus. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important 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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WI

Complaint narrative:
Basically, they locked me out of my XXXX  account for weeks. I will fill in more details at a later date. 

Not allowed to lock the card Not allowed to reconcile. 
Not allowed to figure out if transactions were legitimate. 

No online access at all for weeks Many excuses made. Many phone calls made. Too time-consuming banking there.

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 2024-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I switched from XXXX to XXXX XXXX  years ago because of a promo ( {$500.00} each gift card per line ) for switching. 
During the telephone conversation with the initial agent from XXXX who onboarded me, I distinctly asked on a recorded line about cancellation policy and was informed that I can cancel at anytime without incurring any fees or charges. At no time was it ever explained that if I cancel within a certain timeframe I would be responsible for XXXX  gift card provided upon signing up. 
I genuinely was exploring XXXX service however the signal at home was very inconsistent and when we travelled overseas we incurred roaming fees. Sending this account to collections for a {$1000.00} gift card is a very deceptive practice, given that this was never explained to me at any point during onboarding or after. XXXX is ultimately responsible however this collections company Transworld Systems Inc needs to refrain from harassing me for an unethical collections item.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: OK

Complaint narrative:
I am requesting your support with this incorrect account on my credit report, which has been hurting my reputation as a customer. I need your help to remove these accounts because they have been reported incorrectly and negatively.

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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, i presume that no proof of the alleged debt, nor therefore any such debt, infact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: AZ

Complaint narrative:
I was stunned this morning when I saw inaccurate accounts on my credit report, and I cant figure out how they got there. I regularly check my report, but this time, there were errors out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the mistakes didnt disappear. Im begging for a thorough review of the documents Ive sent so I can put this nightmare behind me once and for all.

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 2024-10-24 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .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 XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX Balance {$2000.00} XXXX  Balance {$600.00} XXXX {$1300.00} XXXX XXXX {$5300.00} XXXX  {$240.00}

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 2024-10-24 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: IL

Complaint narrative:
I discovered some unauthorized inquiries on my credit report today, and Im at a loss as to why this is happening. These discrepancies appeared out of nowhere when I checked, and even after refreshing my browser to rule out any glitches, the inquiries remained. I am requesting that the documents Ive provided be carefully reviewed so this issue can be resolved for good.

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 2024-10-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A collection opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an auto loan Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commission ( FTC ) Identity Theft Report, Better Business Bureau ( BBB ) complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.

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 2024-10-24 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: IL

Complaint narrative:
I was stunned this morning to see incorrect accounts listed on my credit report, with no explanation for why theyre there. I routinely check my report, but this time, out of the blue, there were discrepancies. I refreshed my browser, hoping it was a technical issue, but the inaccurate accounts were still there. I am now requesting a thorough review of the documents I've sent, so I can finally put this stressful situation behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my XXXX XXXX loan account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Experian, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im writing to inform you about an ongoing issue Ive been dealing with involving identity theft. It appears that a company or possibly a lawyer has been filing incorrect public records in my name, including false legal filings like bankruptcies. These records do not belong to me, and I believe theyve been intentionally submitted by an external party. This situation has caused significant damage to my financial standing and credit report. Im currently working to dispute these fraudulent filings, but I wanted to make you aware of the situation as I continue to resolve it.

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 2024-10-24 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$700.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Reported bankruptcy ( 3 ) on my credit report as well as personal and inaccurate personal information on my credit as well as shared or reported personal data on my consumer reports without my knowledge or consent by third party credit agencies all three trans union XXXX and XXXX after I opted out and issued each agency a cease and desist several times

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like to remove the authorized user account XXXX XXXX XXXX Credit Card with a {$5000.00} credit limit from my credit report. I do not want it to be on my credit report anymore.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to remove the authorized user account XXXX XXXX XXXX Credit Card with a {$5000.00} credit limit from my credit report. I do not want it to be on my credit report anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
( Receiver is Transition ) TranUnion LLC FRAUD DEPARTMENT XXXX, CA XXXX I'm writhing this letter to dispute certain information that fasely listed on my credit report above the inaccurate information that appear 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