vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: TN

Complaint narrative:
This complaint is in regard to a reinvestigation performed by TRANSUNION. A recent investigation was performed by TRANSUNION over multiple inaccurate and incomplete accounts that commenced in early XXXX of 2024 in my consumer report with their agency. I recently received an updated version of my consumer report bearing the updated accounts that were initially investigated and noticed that there is still an existing account that still has missing information. This account is incomplete because it lacks transactional information in the payment history section of the report. This data shows up as " XXXX '' notations indicating the account 's incompleteness. The furnisher has failed to verify and update TRANSUNION with all the relevant information necessary to make the account report as complete and accurate. As a result of the failure, an incomplete account is currently being reported in my consumer report from TRANSUNION which is potentially damaging, misleading, and directly constitutes statutory violations of the Fair Credit Reporting Act. Specifically, the Fair Credit Reporting Act section 1681e ( b ) Accuracy of the report and section 1681 ( a ) ( 1 ) accuracy and fairness of credit reporting. Consequently, I am well within my right to have the disputed account deleted from my credit report based on these violations because of TRANSUNION 's failure to ensure maximum accuracy of my consumer report as evidenced by this existing disputed account during the account 's reinvestigation process.

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 2024-06-06 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: NY

Complaint narrative:
Hi, On my Transunion credit report there are two inquires that I do not recognize. One from XXXX and another from XXXX XXXX. I tried to remove with Transunion but they have ben advised to dispute them here with CFPB and once completed they would remove them. I have since frozen my credit report until this is resolved.

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 2024-06-06 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: OH

Complaint narrative:
I checked my credit report and the information was not correct. I have contacted them and they have said that the accounts were verified. I asked them to provide to me how they verified/validated the accounts and I received no response. I have checked my other credit reports and it shows that they are reporting different information for the same accounts which is against the FCRA laws and this violates my rights.

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

Complaint narrative:
I recently received a copy of my credit report and noticed some errors. I've highlighted them in the attached copy for your reference. Here 's what I found : 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 I'm requesting the removal of an inaccurate inquiry from my report regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, I'm asking for an investigation into these items and their removal from my report. I understand that you'll need to verify these with the creditors who posted them. Please remove any information that can't be verified by the creditor. I'm aware that under 15 U.S.C. Sec. 1681i ( a ), you have 30 days to complete this reinvestigation upon receiving this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NC

Complaint narrative:
Subject : Formal Complaint Against ELAN Financial Services for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against ELAN Financial Services ( `` ELAN '' ) for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by ELAN have caused significant damage to my credit rating and have hindered my ability to obtain credit.

Background : Account Closure Without Sufficient Proof : ELAN Financial Services closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation.

Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions.

Incorrect Reporting to Credit Bureaus : ELAN Financial Services reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating.

Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. ELAN 's failure to notify me of the account closure constitutes a violation of this provision. 
Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. ELAN 's reporting of late payments, which are incorrect, is a clear violation of this requirement.

Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations. 
Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. ELAN may be civilly responsible and culpable for the damage caused to my reputation and financial standing.

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 2024-06-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
these false accounts have been reporting on my consumer report and causing me great financial hardship. They are also in violation of 18 U.S Code 1028A, and 15 USC 1681b. I have the right to privacy and if I gave written consent that these can even be reporting then please provide the original copy with my wet signature allowing this. 

I have asked over and over for the bureaus to fix this but they haven't so if you ( CFPB ) don't make them remove these false accounts then I will have to reach out to the attorney general and make sure to add that the CFPB were aware of these violations as well and still allowed these accounts to stay on my consumer 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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX XXXX have blocked my credit and consumer reports. I have not had access to my files years because they decided to let identity thieves use and have access to my credit instead of me. In Equifax 's case, when I log into their MyEquifax product, another social security number is being displayed along with a blank credit file. The same product I have used for years allnof a sudden displays someone else 's information. 

XXXX has denied me my consumer file and has also let identity thieves have their way with my consimumer file. 

Both agencies have denied my requests to remove fraudulent addresses, inquiries and accounts or other outdated or fraudulent information not belonging to me nor initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Dear CFPB, I am writing to express my extreme dissatisfaction and request immediate action regarding the ongoing failure to for the credit bureaus to be addressing the fraudulent accounts, inaccurate information, and the resulting negative impact on my credit reports. The repeated negligence from these companies in handling this situation is unacceptable and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Background : In XXXX of XXXX, I submitted detailed disputes outlining fraudulent accounts on my credit report. 

To support my claims, I provided extensive documentation : A copy of the Federal Trade Commission Identity Theft Report ( FTC Report ) filed on XX/XX/XXXX and again on XX/XX/XXXX An affidavit outlining the fraudulent activity. 

Additional documentation which includes information from text messages that took place with the caregiver of my children who opened these fraudulent accounts and made it appear as if myself and significant other are to be at fault. 

Unacceptable Response : The continued presence of fraudulent accounts after I have provided substantial evidence on multiple occasions is a gross violation of the responsibilities under the FCRA. This negligence severely damages my financial reputation and well-being. 

Specific Issues : XXXXXXXX XXXX  actions, including their refusal to acknowledge the fraudulent account, have resulted in a significant decline in my credit score. This has caused my credit score to go from XXXX down to below XXXX. 

Speedy Cash : This account was removed, however the debt collectors account is now showing on my credit reports. 

XXXX XXXX : Account shows removed, yet remains on credit report. 

XXXX XXXX : Account is current and has not been updated since XX/XX/XXXX. Showing past due payments from end of XXXX as being a negative item on my report. XXXX XXXX adjusted these past due payments and removed them as being past due after caregiver had stolen funds out of my checking account. Therefore this account should not be reported as past due. 

XXXX XXXX : Account says removed from credit report, yet it still showing on report. 

I have disputed all of these accounts with all credit bureaus numerous times and they are still not being handled in the proper manner. I have submitted proof to the credit bureaus numerous times, as well as to the creditors themselves. Yet these accounts are still being shown as mine upon them being fraudulent. These accounts have caused a SIGNIFICANT decline in my credit score.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Experian dispute center po box XXXX XXXX TX XXXX Last SSN XXXX Notice to principle is notice to agents and notice to agents is notice to principle Please be advised this is my third written request in final warning that I fully intend to pursue litigation in accordance with FCRA to enforce my right in seek relief in recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful neglect noncompliance.

Despite two written requests the unverified items listed below still remained on my credit report in violation federal law you are required under FCRA to have a copy of the original creditors documentation on file to verify that that this information is Mines in correct in the results of the first investigation and subsequent reinvestigation you stated in writing that you verified that these items is being reported correctly? Who verified these accounts you have not provided me copies of any original documentation a consumer contact with my signature on it as required under 15 USC 1681 g ( a ) ( 1 ) & 15 USC 1681 ( a ) ( 1 ) ( A ) furthermore you have failed to provide the method of verification as required under 15 USC 1681 ( I ) ( 7 ) please be advised under 15 1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear to the civil liability and the remedy available to me 15 USC 1681n & 15 USX 1681o if you fail to comply with federal law I am a litigation consumer in fully intend on pursuing litigation in this matter to enforce my rights under FCRA your company is breaking FCRA rules I will be filing a complaint. 
XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX In addition. Please remove all non accounts holding inquiries over 30 day olds also please add promotional suppression to my credit file Under federal law you have 30 days to complete your re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 days of the completion of your re-investigation Thank you.

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 2024-06-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Gift Card purchases declined. New card with {$500.00}. AmEx is declining due to security code but its the correct security code. After reading online, many people are having this same issue when trying to make online purchases. I tried 6 times and all were declined making this {$500.00} card useless. I checked the balance on the AmEx site and had to enter the security code and its the same code theyre declining purchases for.

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

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-06 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation