vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: GA

Complaint narrative:
This is to follow up of the regarding the late open, late closed and charge off accounts appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. I have attached copies of my credit reports highlighting the specific accounts in question, as well as supporting documentation that clearly demonstrates that the accounts should be removed. Despite these efforts, those accounts continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. I am asking for your assistance to correct the late open and remove the late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX XXXX : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

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 2024-07-03 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: GA

Complaint narrative:
This is to follow up of the regarding the late open, late closed and charge off accounts appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. I have attached copies of my credit reports highlighting the specific accounts in question, as well as supporting documentation that clearly demonstrates that the accounts should be removed. Despite these efforts, those accounts continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. I am asking for your assistance to correct the late open and remove the late closed and charge off in my credit file : 1XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
2. XXXX XXXX XXXX Balance : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
3. XXXX XXXX XXXX Balance : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
4. XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Upon a recent review of my credit report, I discovered several unauthorized accounts. These accounts were opened in my name without my knowledge or consent. This raised serious red flags, prompting me to delve deeper into the issue. 

My investigation led me to believe I am the target of identity theft. The presence of these unauthorized accounts, coupled with past instances of my personal information being compromised in data breaches, strongly suggests this possibility. 

Therefore, I am formally reporting this matter for immediate investigation and rectification. I urge you to take the necessary steps to resolve this situation and ensure the security of my identity. 


In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), I am formally requesting verification and validation of certain accounts listed on my credit report with your agency.

During a recent review, I identified several accounts that I neither opened nor authorized. This discovery raises concerns about the potential presence of inaccurate information on my report. 

To ensure the accuracy of my credit report, I request your assistance in verifying and validating the legitimacy of these specific accounts : (XX/XX/XXXX 

I believe this step is necessary due to past instances of data breaches compromising my personal information. 

Thank you for your prompt attention to this matter.

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

Complaint narrative:
Upon a recent review of my credit report, I discovered several unauthorized accounts. These accounts were opened in my name without my knowledge or consent. This raised serious red flags, prompting me to delve deeper into the issue. 

My investigation led me to believe I am the target of identity theft. The presence of these unauthorized accounts, coupled with past instances of my personal information being compromised in data breaches, strongly suggests this possibility. 

Therefore, I am formally reporting this matter for immediate investigation and rectification. I urge you to take the necessary steps to resolve this situation and ensure the security of my identity. 


In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), I am formally requesting verification and validation of certain accounts listed on my credit report with your agency.

During a recent review, I identified several accounts that I neither opened nor authorized. This discovery raises concerns about the potential presence of inaccurate information on my report. 

To ensure the accuracy of my credit report, I request your assistance in verifying and validating the legitimacy of these specific 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 

I believe this step is necessary due to past instances of data breaches compromising my personal information. 

Thank you for your prompt attention to this matter.

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 2024-07-03 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: FL

Complaint narrative:
Upon a recent review of my credit report, I discovered several unauthorized accounts. These accounts were opened in my name without my knowledge or consent. This raised serious red flags, prompting me to delve deeper into the issue. 

My investigation led me to believe I am the target of identity theft. The presence of these unauthorized accounts, coupled with past instances of my personal information being compromised in data breaches, strongly suggests this possibility. 

Therefore, I am formally reporting this matter for immediate investigation and rectification. I urge you to take the necessary steps to resolve this situation and ensure the security of my identity. 


In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), I am formally requesting verification and validation of certain accounts listed on my credit report with your agency.

During a recent review, I identified several accounts that I neither opened nor authorized. This discovery raises concerns about the potential presence of inaccurate information on my report. 

To ensure the accuracy of my credit report, I request your assistance in verifying and validating the legitimacy of these specific 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 

I believe this step is necessary due to past instances of data breaches compromising my personal information. 

Thank you for your prompt attention to this matter.

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 2024-07-03 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: TN

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-07-03 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: TN

Complaint narrative:
According to my credit report, I noticed my privacy rights were violated. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. The accounts that are in violation of my rights are listed below. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-07-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a bank account with Truist in XXXX of XXXX, with a promotion to receive a {$400.00} credit upon completion of qualifying activities. I called Truist, twice, and spoke to two different customer service representatives that both confirmed that I had completed all the qualifying activities. I then received an email stating that I did not complete the activities and would not be getting the credit. I called again and had the issue escalated and also requested the call transcripts. I was told that the transcripts would take a week to receive and the escalation would take longer. I have yet to hear back from anyone at Truist. This is not the first issue Ive had with this bank. When I initially opened my account, I attempted to send a XXXX payment to my own account with another bank because I hadnt received the debit card and could not use my funds. This triggered a fraud alert and resulted in a block on my account. I was told I needed to go into a branch to have the block lifted. I explained to them that the closest branch was 2 hours away and there had to be something they could do to help me. I even emailed their CEO and was still refused assistance. I eventually had to drive to the branch because all of my money was in that account and I could not access it.

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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need all my XXXX disputes and wells fargo claims disputes that was was declined to be reopen or reinvestigate or investigate or make into a new dispute again and investigate it or give me a one-time credits for all the disputes that was declined My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking 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 2024-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The creditor agreed to delete this account. I am a victim of a natural or declared disaster.

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