vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-22 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: AL

Complaint narrative:
XXXX XXXX XXXX Equifax is violating my rights And his criminal obligated And you violating my rights under 15 USC 1681 And money and fragment of 15 USC 1640 and 1692 I am asking you to remove this negative information from my shoppers report I am asking you to remove these infringements they failed to comply with the government regulations, and they are governed by the FCRA And his XXXX is for your duty to make sure that they file a protocol. If not, I will be pursuing legal actions and reporting them to the FTC Better Business Bureau state attorney general. United State Senate Federal deposit of currency insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: AL

Complaint narrative:
Experian XXXX XXXX XXXX is violating my rights And his criminal obligated And you violating my rights under 15 USC 1681 And money and fragment of 15 USC 1640 and 1692 I am asking you to remove this negative information from my shoppers report I am asking you to remove these infringements they failed to comply with the government regulations, and they are governed by the FCRA And his XXXX is for your duty to make sure that they file a protocol. If not, I will be pursuing legal actions and reporting them to the FTC Better Business Bureau state attorney general. United State Senate Federal deposit of currency insurance

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 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> I received an email stating that {$100.00} was transferred from my checking to a credit card that I have asked for over 2 months to close. I was told by an online agent on multiple occasions that the card would be closed but the balance is still due. Understood. The card was never closed and instead Penfed processed a payment towards that account today. I am not sure how they are allowed to transfer my money or authorize transfers without my permission. As time goes on I realize Penfed is not for XXXX at all. I am 100 % XXXX and asked for hardship and denied even after submitting medical records, stating " must show loss of income '', as if papers showing me XXXX  consistently doesn't do that? And now they take what little money I have and transfer it to an account that I asked to close. I want nothing more to do with this institution. Transferring funds without authorization is literally stealing. Disgusted.

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 2024-10-22 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: DE

Complaint narrative:
My account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX never late! I have had an exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment.

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 30 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports!

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 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
There is an address listed on my report which is incorrect. I have disputed it on all 3 credit reporting agencies and been denied each time. The address shown is : XXXX XXXX XXXX, XXXX, WI XXXX I have never lived there. That is my XXXX 's address.

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 2024-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: MI

Complaint narrative:
My daughter was hospitalized briefly on XX/XX/XXXX for a medical concern. The hospital took all of our health insurance information upon intake- for which we had XXXX XXXX and were fully covered at the time. 

Apparently, a third party rendered services on that day, and did not bill my insurance for whatever the reason -- but, for which I was unaware. 

Later this third party medical provider allegedly attempted to retrieve their debts from us by sending medical bills to the wrong address ; and I just found out about it from a collections agency. 

I contacted the collections agency today ( XX/XX/XXXX ) who informed me that the medical bill had not gone through our insurance, and that I was now responsible to pay for it or resolve the matter with the third party medical provider. 

The third party medical provider is out of business, and their phone number is disconnected. 

I paid my co-pay for the hospital visit from that day, and am under no obligation to owe this debt, and would have been resolved had I been made aware that this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
Ive recently took a look at my credit and was terrified when I seen all kinds of fraudulent activity that should not be posted to my credit attached is a report of items that need to be deleted removed and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
These items need to be delete asap violation of my consumers rights and laws

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 2024-10-22 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company reported account and damaged credit without any proper validation. Account has been disputed and falsely stated to meet FCRA standards, company believes they can report dates not occupied at residence as factual even when they are clearly conflicting. 
Company damaged credit by XXXX points without validation

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 2024-10-22 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To Clarity Services : I have sent a certified letter informing you that the information you have on my credit file is inaccurate ; I have yet to get a response and I have disputed this information back on XX/XX/XXXX, it is now XX/XX/XXXX and you have not updated my file. 
Reference # XXXX Home Address : The only address for me is XXXX XXXX XXXX, XXXX XXXX AR XXXX and XXXX XXXX XXXX # XXXX XXXX XXXX AR XXXX. 
Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( Never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there- that is a business address Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my XXXX XXXX ) Please delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX Ar XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX AR XXXX, ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ( not mine ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX A XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( not my address ) Cell Phone & Home & Work Phone Numbers : Please delete XXXX, XXXX, XXXX ( not my numbers ) Please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..Not my work numbers Personal Name : ( Personal Information ) My name is XXXX XXXX . 
Please delete XXXX XXXX XXXX Date Of Birth : ( Personal Information ) My date of birth is XX/XX/XXXX Please delete XX/XX/XXXX, and XX/XX/XXXX those are not my XXXX. 

XXXX License Number and State : Please delete XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( those are not my license numbers ) Email Addresses : My email is XXXX & XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Employment Information : Please delete the following because I've never worked for any of them : Please delete XXXX XXXX XXXX ( never worked there ) Please delete XXXX XXXX XXXX XXXX ( Never worked there ) Please delete XXXX XXXX  ( Never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete Retirement/Pension ( never worked there ) XXXX XXXX XXXX XXXX ( never worked there ) XXXX XXXX XXXX ( never worked there ) Banking Information : Please Delete The Following XXXX XXXX XXXX, Acct XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX, XXXX XXXXXXXX XXXX ,  not my account Routing XXXX, Acct XXXX, XXXX XXXX , not my account Routing XXXX, Acct XXXX XXXX XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX, XXXX XXXX , not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-10-22 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute ten fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question 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 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 XXXXXXXX OPENED XX/XX/XXXX INCORRECT EMPLOYERS : XXXX, XXXX XXXX XXXX NAME : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX INCORRECT ADDRESSES : 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 did not open these accounts, and I have already filed a police report regarding this identity theft, which I have enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for your reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures.? 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
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