vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus ( XX/XX/2024 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.

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 2024-03-16 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus ( XX/XX/2024 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: SC

Complaint narrative:
I Just Recently Looked At My Credit Report Saturday, XX/XX/XXXX. I Saw Some Hard Inquiries That Did Not Have Permissible Purpose. 


XXXX. XXXX XXXX ( Bank ) / XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b 6. XXXX XXXX ( Finance ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX  ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of XXXX XXXX XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: SC

Complaint narrative:
I Just Recently Looked At My Credit Report Saturday, XX/XX/XXXX. I Saw Some Hard Inquiries That Did Not Have Permissible Purpose. 


XXXX. XXXX XXXX ( Bank ) / XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b

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 2024-03-16 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: AZ

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-16 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 

Inquiry Details : - Creditor/Institution : LIGHTSTREAM - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 

Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report. 

Previous Notices : Please be informed that I have already sent notices directly to XXXX disputing this and other inaccuracies. Under the FCRA, you are obligated to conduct a reasonable investigation within a 30-day period and either provide the requested verification or remove the disputed inquiry.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a consumer who takes pride in maintaining a responsible financial profile, I find it deeply troubling to report that despite submitting comprehensive documentation and police reports to XXXX, Equifax, XXXX, and XXXX regarding fraudulent accounts on my credit report, as well as over 120 inquiries over the past couple of years, no substantial action has been taken to rectify these issues. This lack of response not only undermines my trust in these credit bureaus but also indicates a flagrant disregard for their duty to protect consumers like myself. Furthermore, their inaction constitutes a clear violation of my rights as a consumer and flies in the face of federal laws and acts established specifically to safeguard consumers from such injustices. It is imperative that these agencies uphold their responsibilities and take immediate and effective measures to rectify these errors, restore the integrity of my credit report, and prevent similar occurrences in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank told me that I basically need to go searching for the check at the post office even though they knew it was good and they sent it off without telling me. The place where I got the check theres no longer issuing them. They are closing down and Citibank verify that it was a valid check. They are not able to re-issue it or tell me if anyone has cashed it any bank has to pay me {$6300.00}

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 2024-03-16 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: CA

Complaint narrative:
XXXX, XXXX, and TransUnion are falsely reporting account XXXX in the amount of 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 2024-03-16 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:
Experian, XXXX, and XXXX are falsely reporting account XXXX in the amount of 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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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