vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Experian, XXXX, XXXX, and XXXX for Unauthorized Reporting of Bankruptcy Dear Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against Experian, XXXX, XXXX, and XXXX for severe violations of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and any other relevant consumer protection laws. Specifically, the unauthorized reporting of bankruptcies on my consumer credit reports and/or credit file by these agencies. 

Detailed Complaint : Without my consent and without any prior notification, these credit reporting agencies have listed bankruptcy information on my consumer credit reports. This erroneous information has not only damaged my creditworthiness but has also led to substantial personal and financial distress. The inaccuracies reported by these agencies have resulted in denials of credit, severely impacting my ability to purchase a car and a house. Moreover, the public reporting of such sensitive personal financial information without my consent constitutes a significant violation of my privacy. 

Attempts to Resolve the Issue : Despite my efforts to contact Experian, XXXX, XXXX, and XXXX to correct this misinformation, my attempts have been unsuccessful, and the bankruptcy information remains on my reports. The lack of response and resolution from these agencies has only compounded my stress and mental anguish. 

Sought Resolution : Immediate removal of the bankruptcy information from my credit reports and credit file across all mentioned credit reporting agencies. 
A formal investigation into how this breach of my consumer rights occurred and steps taken to prevent future occurrences. 
Compensation for the undue stress, mental anguish, and financial losses incurred due to the wrongful reporting of bankruptcy information and the resulting denials of credit. 
A written apology from each of the credit reporting agencies for the mishandling of my personal information and the distress it has caused. 

I implore the CFPB to take immediate action on my behalf to address these violations of my consumer rights. Your assistance in this matter is not only crucial for rectifying my personal credit history but also serves as a deterrent against the careless handling of consumer information by credit reporting agencies. 

Thank you for your attention to this urgent matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The listed account is not affiliated with me nor are they authorized by me. 
XXXX XXXX XXXX Balance : {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis continues to allege that have a right to violate my consumer rights by reporting a bankruptcy this is false. You need permission from the consumer to report anything this is my information that LexisNexis is selling and putting me at risk for data breaches. 

Remove the bankruptcy from all records and my name from the database of LexisNexis I do not want you selling any information that pertains to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
It was on XX/XX/XXXX a transaction of XXXX made to XXXX and the same date different time was made to Expresso of XXXX I didn't do those transactions I've already made a dispute on it on XX/XX/2023 and I haven't gotten any answers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
This was my follow up for my issue that I recently forwarded to you. Again, it has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX : XXXX XXXX Balance : {$0.00} ======TRANSUNION : XXXX XXXX Balance : {$0.00}

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 2024-03-07 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:
This was my follow up for my issue that I recently forwarded to you. Again, it has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction with the unresolved late open account listed on my credit report and to request immediate action to correct this inaccuracy. Despite numerous attempts to rectify this issue, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

Since discovering this inaccuracy, I have made multiple attempts to have the late open account corrected. I have contacted your customer service representatives, submitted formal disputes, and provided supporting documentation to prove that this entry is erroneous. However, despite my persistent efforts, the late open account remains unresolved on my credit report. 

The continued presence of this inaccuracy on my credit report undermines my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your institution. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open account on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.

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 2024-03-07 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: TX

Complaint narrative:
I am writing to express my dissatisfaction with the unresolved late open account listed on my credit report and to request immediate action to correct this inaccuracy. Despite numerous attempts to rectify this issue, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

Since discovering this inaccuracy, I have made multiple attempts to have the late open account corrected. I have contacted your customer service representatives, submitted formal disputes, and provided supporting documentation to prove that this entry is erroneous. However, despite my persistent efforts, the late open account remains unresolved on my credit report. 

The continued presence of this inaccuracy on my credit report undermines my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your institution. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open account on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: NJ

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2024-03-07 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: DE

Complaint narrative:
I am writing to file a formal complaint against XXXX, a consumer reporting agency, regarding their failure to conduct a proper investigation into inaccuracies on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024 I submitted a dispute to XXXX regarding specific accounts on my credit report that contained multiple errors. Despite my explicit documentation of these inaccuracies, XXXX responded by affirming the validity of the disputed accounts, indicating that they had been " verified. '' However, the evidence provided in Exhibit A clearly demonstrates the presence of errors, making XXXX 's verification process highly questionable. 

Accts # XXXX # XXXX Furthermore, upon reviewing a subsequent credit report, attached as Exhibit B, I discovered that the inaccuracies persist despite the supposed verification of the disputed accounts. Despite my efforts to rectify these errors and request a reinvestigation, XXXX has failed to address the ongoing discrepancies, thereby violating my consumer rights guaranteed under 15 USC 1681i of the FCRA. 

As a consumer, I expect and demand that XXXX upholds its obligation to ensure the accuracy and integrity of my credit file. The negligent handling of my dispute not only undermines my financial well-being but also erodes my confidence in XXXX 's ability to safeguard consumer data. 

Therefore, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action to hold XXXX accountable for its failure to comply with federal regulations. I also urge the CFPB to ensure that XXXX implements corrective measures to prevent similar instances of negligence in the future, thereby safeguarding the interests of consumers nationwide.

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 2024-03-07 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: DE

Complaint narrative:
I am writing to file a formal complaint against XXXX, a consumer reporting agency, regarding their failure to conduct a proper investigation into inaccuracies on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024 I submitted a dispute to XXXX regarding specific accounts on my credit report that contained multiple errors. Despite my explicit documentation of these inaccuracies, XXXX responded by affirming the validity of the disputed accounts, indicating that they had been " verified. '' However, the evidence provided in Exhibit A clearly demonstrates the presence of errors, making XXXX 's verification process highly questionable. 

Accts # XXXX # XXXX Furthermore, upon reviewing a subsequent credit report, attached as Exhibit B, I discovered that the inaccuracies persist despite the supposed verification of the disputed accounts. Despite my efforts to rectify these errors and request a reinvestigation, XXXX has failed to address the ongoing discrepancies, thereby violating my consumer rights guaranteed under 15 USC 1681i of the FCRA. 

As a consumer, I expect and demand that XXXX upholds its obligation to ensure the accuracy and integrity of my credit file. The negligent handling of my dispute not only undermines my financial well-being but also erodes my confidence in XXXX 's ability to safeguard consumer data. 

Therefore, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action to hold XXXX accountable for its failure to comply with federal regulations. I also urge the CFPB to ensure that XXXX implements corrective measures to prevent similar instances of negligence in the future, thereby safeguarding the interests of consumers nationwide.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified some information on my reports that are a result of identity theft, these items are not related to any transaction completed by me : 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 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