vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-27 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-27 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-27 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:
I am writing to formally dispute the accuracy of information contained in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). I recently obtained a copy of my credit report and noticed discrepancies that I believe violate the requirement for accuracy and integrity of consumer information. 


In accordance with the FCRA, I request that you investigate this matter and remove or correct the disputed information from my credit report. 

Please conduct your investigation within the XXXX timeframe required by the FCRA and provide me with written confirmation of the results. If you find that the information is indeed inaccurate, I request that you notify all appropriate parties of the correction. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I am writing to formally dispute the accuracy of information contained in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). I recently obtained a copy of my credit report and noticed discrepancies that I believe violate the requirement for accuracy and integrity of consumer information. 


In accordance with the FCRA, I request that you investigate this matter and remove or correct the disputed information from my credit report. 

Please conduct your investigation within the XXXX timeframe required by the FCRA and provide me with written confirmation of the results. If you find that the information is indeed inaccurate, I request that you notify all appropriate parties of the correction. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of my dispute.

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I called to request information on where I gave orthopedic to release my personal information, and I asked to show me where I approved of my personal information getting sent to a third party and they refused my request and are not in compliance with law 15 USC 6802, so I am writing to formally notify you of concerns regarding the potential non-compliance of [ XXXX XXXX XXXX ] with 15 USC 6802, part of the Gramm-Leach-Bliley Act ( GLBA ). As per the provisions of the GLBA, businesses are required to ensure the confidentiality and security of nonpublic personal information ( NPI ) and adhere to specific privacy practices and disclosures. 

The act mandates that financial institutions implement privacy notices, disclose their information-sharing practices, and provide consumers with the opportunity to opt out of certain information-sharing practices. 

It appears that your company XXXX not be fully adhering to the following requirements as stipulated in 15 USC 6802 : Providing clear and conspicuous privacy notices to consumers. 
XXXX XXXX options where applicable to consumers regarding the sharing of nonpublic personal information. 
Ensuring security measures are in place to protect consumer information. 
I urge you to take immediate steps to ensure full compliance with 15 USC 6802 to protect consumer rights and avoid potential legal and regulatory penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CO

Complaint narrative:
15 U.S.C 1681 EB 15 U.S.C 1681 S-2 15 U.S.C 1681 I5 Whenever a consumer reporting agency files a consumer report it's supposed to follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual who the report contains. 
This has been a nightmare of a problem to get under control. The credit beauro has my credit so screwed up I most likely will never get into another loan or car or house for the rest of my life. There are so many inconsistencies in the report I Can't even name them all. All I know that almost every single account is innacurate in that each credit agency has different numbers for everything I don't even know which one are good and which ones are bad .... I know they better fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$730.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00}

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 explanation
Consumer complaint received 2025-02-27 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists OF XXXX XXXX {$720.00} ACCOUNT XXXX, XXXX XXXX {$25000.00} ACCOUNT XXXXXXXX XXXX XXXX XXXX {$870.00} ACCOUNT XXXX, XXXX XXXX XXXX {$1800.00} ACCOUNT XXXX, XXXX {$660.00} ACCOUNT XXXX, XXXX XXXX XXXX XXXX {$600.00} ACCOUNT XXXX. REMOVE THESE UNAUTHORIZED INQUIRIES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-02-27 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:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated XXXX XXXXAccount Name : CXXXX XXXX XXXX XXXXAccount Number : 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 2025-02-27 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:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXAccount Name : XXXX XXXXAccount Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Phones were stolen with ID card, XXXX XXXX XXXX XXXX XXXX XXXX, and Chase Bank Debit card. The person who stole made purchases with all my cardsXXXX XXXX XXXX XXXX  {$210.00}. I called the credit card company and they have returned the stolen funds. I called Chase bank and they only returned partial of the amount stolen. This person uses the ATM and takes out {$300.00} on XX/XX/year>XXXX XXXX XXXX XXXX 1 minute later takes out {$400.00}. then 2 minutes later takes out another {$300.00} all using my chase debit card which i never authorized. This person then goes and purchases multiple items from XXXX for the amount of XXXX dollars and pulls out {$100.00} cash back at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>. Again, it is clear that this person was committing fraud with my bank card. Yet Chase Bank does not want to refund me the {$1000.00} total from the ATM withdraws but does refund me the XXXX transactions. Makes no sense since all of that was unauthorized. I have called Chase bank on XX/XX/XXXX to report the fraud. Called again on XX/XX/XXXX. They told me the claim of XXXX dollars of ATM withdraw was denied because I have no proof. I then told them I have Text alerts that show me that transactions were made at XXXX XXXX  Then they said oh, sorry we did not know you had proof. I then upload proof. And now I call them back and they said its denied and give me no explination. Please help me file a claim agains Chase bank for not properly investigating the issue and failing to return money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-27 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'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
U.S. bank at address XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX United States around XXXX or XXXX I went to deposit {$600.00} in my bank account, they didnt deposit my funds or gave it back, they gave me a receipt and that same day I went home and they told me it would take 10 days or up to 45 days. They cant speed up the process that money is towards my bills. 10 days I call back because I dont have my money yet or any update I call them and they say it was denied. They said they send a mail but I didnt receive anything. They are basically stealing my money rent is due and many more bills to pay and I find it unfair how they cant speed up the process to get my money faster or why I was denied I gave them all the information on the receipt.

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 2025-02-27 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: AL

Complaint narrative:
Civil Violations 1. Fair Credit Reporting Act ( FCRA ) Violations The FCRA ( 15 U.S.C. 1681 ) ensures accuracy, fairness, and privacy in consumer credit reports. Violations include : Reporting inaccurate information : Credit bureaus and creditors must ensure the accuracy of reported data.

Failing to investigate dispute Civil liability : Consumers can sue for damages, including statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorney fees. 
Federal Trade Commission ( FTC ) : The agencies can impose fines and penalties

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 2025-02-27 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: AL

Complaint narrative:
Civil Violations 1. Fair Credit Reporting Act ( FCRA ) Violations The FCRA ( 15 U.S.C. 1681 ) ensures accuracy, fairness, and privacy in consumer credit reports. Violations include : Reporting inaccurate information : Credit bureaus and creditors must ensure the accuracy of reported data.

Failing to investigate dispute Civil liability : Consumers can sue for damages, including statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorney fees. 
Federal Trade Commission ( FTC ) : The agencies can impose fines and penalties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/year>

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