vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: NJ

Complaint narrative:
Subject : Urgent Request for Reinvestigation and Documentation of Disputed Accounts Dear XXXX XXXX ( XXXX ) I am writing to formally request a reinvestigation of several accounts listed on my credit report that I previously disputed, as they continue to cause damage to my credit profile. This request is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that you ensure the accuracy and completeness of the information reported on my credit file. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate these accounts to ensure they are accurately reported. Additionally, I request that you provide me with the names and titles of the individuals who verified these accounts during your previous investigation. 

After completing your reinvestigation, I kindly ask that you remove any accounts that are found to be erroneous or inaccurate. The persistence of these inaccuracies is undermining my ability to maintain a clean credit profile and to access credit opportunities. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframes stipulated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX XXXX XXXX ss # 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-09 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: OH

Complaint narrative:
I recicived my TransUnion report and noticed some inquiries I did not authorize to be on my credit theses inquiries are not tied to any open accounts I've called multiple times to TransUnion sent in letters and they continue to ignore my request. I was told multiple times the account would be removed but nothing has happened a representative of the company told me to send in FTC report, and I did now I'm being told to do it again this isn't fair to my creditworthiness and is affecting me please remove inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b states your agency needs permission to report anything on my credit report and I did not authorize these inquiries

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 2024-09-09 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to formally notify you of inaccurate and incomplete bankruptcy information reported on my credit file, which I have previously disputed without satisfactory resolution. This communication serves as a formal request to immediately correct or remove the erroneous entry from my records, failing which I will be compelled to initiate legal proceedings.

Upon reviewing my credit report, I noticed that Lexis Nexis is still reporting a bankruptcy to XXXX and XXXX against my previous written instruction to remove due to the reporting of such information violates my privacy.

Please be advised that your actions are in violation of the Fair Credit Reporting Act, specifically under the following provisions : 15 USC 1681b ( a ) ( 2 ) concerning permissible purposes of consumer reports.

15 USC 1681e ( b ) which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies, including correcting and updating inaccurate information.

The continued presence of this inaccurate and incomplete reporting is not only misleading but also infringes on my right to privacy and fairness as guaranteed by the FCRA. Such reporting has caused, and continues to cause, significant harm to my creditworthiness and ability to seek credit. 

Lexis Nexis has passed the buck stating XXXX  supplied the information. However, Lexis nexis is the direct reporter of the information and they have no right. I do not have any more energy to spend on disputing and am equipped to move forward with suing them to invoke my rights as a consumer,.

I hereby demand that the aforementioned entry be reviewed and corrected or removed within 15 days from the receipt of this letter. Should you fail to comply with this request and thus further demonstrate negligence in adhering to the FCRA standards, I will have no option but to seek legal recourse for damages as per the provisions of the FCRA.

Please treat this matter with the urgency it requires. I anticipate your prompt compliance and look forward to settling this matter amicably. If I do not receive a satisfactory response by [ date 15 days from sending the letter ], I will initiate legal proceedings without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX on behalf of the XXXX XXXX XXXX XXXX, tendered to Capital One a Special Deposit along with a Notice of Subrogation and Notice of Rescission by USPS Express Mail XXXX which was delivered XXXX concerning an Auto loan with account # XXXX. Capital One did not respond. A certified USPS mailed follow up correspondence # XXXX was sent and received XXXX. The correspondence questioned why wasnt the original promissory note used to set off the loan and why was the above mentioned special deposit not credited to the account. Furthermore, I requested the GAAP Accounting for the said account, to include the account payables and account receivables, still Capital One is yet to respond. As a result, I completed a forensic audit of the account with a certified agent who is also willing to testify on the findings if necessary. The audit discovered numerous violations from Capital One. A trust agreement was created where Capital One created a bond with a second trust pool of securities with XXXX XXXX which was securitized and placed on secondary markets in countries outside of the United States. These countries are not listed on any chart within their prospectus provided to the SEC. These are major securities fraud and can also cause further tax implications with the IRS. The said bond also generated several XXXX dollars of revenue and yet I XXXX XXXX still have to service the loan with monthly installments. The said account receivables were also put in a previous original trust pool of securities that generated over XXXX XXXX dollars ( {$1.00} XXXX ). Capital One also violated TILAs 72 hour rescission addendum on the loan agreement. The above listed illustrations are only a few of the numerous ways Capital One violated the trust agreement from my account receivables. As an investor, Capital One never responded to my correspondences. I would therefore like a full investigation of my account. The account should also be fully discharged and I would like an eighty percent ( 80 % ) recoupment of all collateral securities rights, titles, interest and profits. Nonetheless, if my requests are not fulfilled, I will be forced to apply the full extent of the law. Without Recourse XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my XXXXEquifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( properly deleted on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I already sent a couple of complaints through CFPB, and Equifax responded by only deleting one inquiry ( there were 5 total, see above ). Please delete the other 4 immediately or I will take legal action against Equifax in the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-09 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I made manual dispute of initial two transactions ( one for {$200.00} & one for {$300.00} ) XXXX. Called back in the afternoon to confirm it was done properly. ( Received no documentation ) Moneylion did not shut my card off and my last {$240.00} was stolen from my account XXXX at a similar vendor. Called and spoke to supervisor ( XXXX XXXX ) who took all of my information on the first two disputes. She then advised me to wait for the third transaction to clear and that she would personally monitor my account for the last transaction to clear and make that dispute. I received an email from disputes to fill out a paper with more details and then email it back. I also received more detailed correspondence from XXXX XXXX personally. 

I waited through the weekend with no calls or emails from Moneylion.

I noticed Monday XXXX that the third transaction had settled. I called disputes to start on the third transaction. The representative on the phone confirmed my previous disputes but said I had not replied back with the documentation sent to me Friday ( XXXX ). I told her yes I had within minutes of receiving it. She said that she could all of a sudden see it. She then said she had successfully submit the third dispute and to look out for a similar email to Friday in which I would respond with the same filled out document.

Not longer after I hang up with moneylion for the third transaction, I received a response from the first two saying they had been closed with no error being found. That I had been physically present for the transaction since I stated I had my card at the time of the transactions. This is physically impossible as I am no where near the merchant and was clocked in at work in an entirely different city during both transactions.

Moneylion has refused to look into this further.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-09 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: FL

Complaint narrative:
This is very frustrating. There are a lot of errors on my credit report, some even has missing information- my requests to correct these remain unaddressed which had detrimental effects on both my life and credit. My credit score is really important to me and having incorrect information on it causes me stress and being rejected on my new credit applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX  I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Limit $ XXXXClosed Account XXXX XXXX XXXX Opened XX/XX/XXXX, {$400.00} _Closed Account XXXX XXXX Credit Card XXXX XX/XX/XXXX, {$5000.00} - Closed Account XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX Card Opened XXXX {$1000.00} - Closed Account XXXXXXXX XXXX Opened XXXX XXXX $ XXXXClosed Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX XXXX Opened XXXX XXXX {$520.00} -Closed Account

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