vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: MA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they XXXX XXXX XXXX XXXX my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX / XXXX XXXX Bank # XXXX If the accounts can not be properly verified or validated, XXXX XXXX XXXX XXXX XXXX my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain items listed on my credit report. Upon review, I have identified information that appears to be unverifiable, invalid, or inaccurate. These discrepancies are concerning and have caused unnecessary distress.

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), I have the right to ensure that all information reported is 100 % accurate and fully verifiable. I am requesting an immediate investigation into the disputed items to confirm their validity and accuracy.

Attached, you will find copies of letters and supporting documents for your reference. I request that you promptly remove or update the inaccurate entries in accordance with federal regulations. Please provide written confirmation of the actions taken and an updated copy of my credit report once the investigation is complete.

Thank you for your attention to this matter. I look forward to your response within the time frame allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain items listed on my credit report. Upon review, I have identified information that appears to be unverifiable, invalid, or inaccurate. These discrepancies are concerning and have caused unnecessary distress.

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), I have the right to ensure that all information reported is 100 % accurate and fully verifiable. I am requesting an immediate investigation into the disputed items to confirm their validity and accuracy.

Attached, you will find copies of letters and supporting documents for your reference. I request that you promptly remove or update the inaccurate entries in accordance with federal regulations. Please provide written confirmation of the actions taken and an updated copy of my credit report once the investigation is complete.

Thank you for your attention to this matter. I look forward to your response within the time frame allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. Upon reviewing my credit report, I noticed these hard inquiries that I did not authorize, and I believe these are result of fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing to lodge a complaint against TransUnion regarding my inability to obtain my free credit report through XXXX, as mandated by federal law. 
I attempted to access my free credit report from TransUnion via the XXXX website multiple times. However, I encountered an error message stating : " Unable to Complete Your Request Online. Unfortunately, your request can not be fulfilled online at this time. Please request your report using one of the other options below. '' The options provided were to request my report by mail or by phone. This situation is frustrating and inconvenient, as the online process is designed to be straightforward and accessible. I believe that consumers should have the right to easily access their credit reports without unnecessary barriers. 
I have attempted to follow the alternative methods suggested, but I find it unacceptable that I am unable to obtain my report online, especially when the law entitles me to do so. This experience raises concerns about TransUnion 's compliance with the Fair Credit Reporting Act and their obligation to provide consumers with access to their credit information. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the law and provides consumers with the access they are entitled to. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XXXX  SSN : XXXX XX/XX/year> 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 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 Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN : XXXX XXXXXX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
BB & T now Truist issued a no trespassing against me as a client over 10 years. They explained to me that the identification I used did not match the original signature card. Truist denied me access to {$5000.00} of my funds. The employees have colluded with the XXXX XXXX XXXX to issue me a no trespassing which is against BB & T/Truist XXXX XXXX to the branch XXXX. The following day I went in to pull out the rest of the funds with the XXXX and that was when the trespass was issued. The only reason why this information is valid is because I requested the body cam footage from XXXX XXXX XXXX, the twist come in where I called the regional folks from XXXX and they said none of this ever happened, they also didn't know I had the body cam footage. Please let me know how I can get the XXXX of Truist to understand what is going on. This has cost me millions in profits and XXXXXXXX XXXX along with false acquisitions against 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 2024-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It XXXX Concern, This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are payment ( XXXX XXXX XXXX XXXX several ay, violations of the XXXX XXXX XXXX XXXX XXXX. Noncompliance with 15 USC 1681e ( b ) - Failure to Maintain Maximum Accuracy : noncompliance. 
XXXX. Violation of 15 USC 1681ad ) ( 2 ) ( A ) i ) - Improper Reporting of Non-Reportable Transactions : Additionally, under 15 USC 1681ad ) ( 2 ) ( A ) ( i ), transactions or experiences between a consumer and creditor are not considered consumer reports unless authorized by the consumer. The late payment being reported stems from such a transaction and, as such, should not have been shared with any credit reporting agency. Your failure to obtain proper authorization for the dissemination of this information is a further violation of my rights under the FCRA. 
XXXX. Violation of 15 USC 6802 - Unauthorized Disclosure of Nonpublic Personal Information : Further, as a financial institution governed by 15 USC 6802 under the XXXX Act, you are prohibited from disclosing nonpublic personal information to third parties without my express consent. 
Your unauthorized dissemination of this erroneous late payment represents a violation of my privacy rights, making you liable for any damages caused. 
Legal and Financial Consequences : Your ongoing failure to adhere to these legal mandates exposes you to serious penalties. Under 15 USC 1681n, you XXXX be liable for statutory damages ranging from {$100.00} to {$1000.00} per violation for willfully violating the FCRA, in addition to actual damages I have suffered. Given the egregious nature of your noncompliance, I XXXX also seek punitive damages to the full extent permitted by law, to punish and deter this willful misconduct. These punitive damages, combined with my actual damages for emotional distress, XXXX be substantial. 
The emotional distress, mental anguish, and financial harm caused by your disregard for accuracy in reporting have been significant. The persistent erroneous reporting has impeded my ability to secure XXXX XXXX XXXX XXXXXXXX XXXX XXXX to 1S USC XXXX XXXX XXXX remedies Immediate Action Required : To avoid further escalation, I demand that : XXXX. You immediately cease reporting the inaccurate late payment to XXXX, XXXX, and XXXX. 
XXXX. You remove the erroneous information from my credit file across all major credit reporting agencies. 
XXXX. You provide written confirmation of the removal within 30 days of receiving this letter. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) and puting XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I trust that you will take the necessary steps to rectify this matter and prevent the need for further legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Va XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year> I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, NC. The vehicle was not at the location and I was advised it cost XXXX. I had completed the finance agreement. When the car was brought to the location the salesman tore off the windows sticker. I did not get the sticker until a week later as I had to request a copy. The price listed was XXXX. I asked about the additional cost and was advised of additional fees, but they would not provide the charges after I had requested it. Also when I went to sign the contract. The finance XXXX just said sign here and did not go over the pricing. While looking over the contract later. I found I did not receive the XXXX loyalty bonus nor the XXXX dollar additional amount they had quoted prior to signing the contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: GA

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the XXXX and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXX CO 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 explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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