vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 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:
Victim of identity theft and notice of improper use of credit report. There are inquiries I do not recognize and Im sure I myself did not authorize or provided my wet signature for such inquiries or accounts to be furnished on 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 non-monetary relief
Consumer complaint received 2024-11-11 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:
Victim of identity theft and notice of improper use of credit report. There are inquiries I do not recognize and Im sure I myself did not authorize or provided my wet signature for such inquiries or accounts to be furnished on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute and Request for Removal of Inaccurate XXXX Information Dear Sir/Madam, I am writing to dispute the inaccurate XXXX information that appears on my credit report. Upon review of my credit file, I have identified a XXXX entry that is incorrect, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and possibly state-specific consumer protection laws. 

The XXXX listed on my report appears to be either outdated, erroneously reported, or completely inaccurate based on my records. As you are aware, under the FCRA, information that is inaccurate, incomplete, or unverifiable must be removed from my credit report. Specifically, I am requesting that you investigate the following : Incorrect XXXX Filing Date : The XXXX listed may not reflect the correct filing date or may be reporting a case that was discharged but is still appearing as open. 
Duplicate or Misreported Information : It is possible that a different individual 's XXXX information was mistakenly reported under my name. 
Lack of Documentation or Verification : If the XXXX claim is not substantiated with proper documentation or is otherwise unverifiable, it should be removed immediately. 
Please consider this letter as a formal dispute and request for investigation under the Fair Credit Reporting Act. According to 15 U.S.C. 1681i ( a ) ( 1 ), you are required to investigate my dispute and resolve it within 30 days of receiving this letter. If the information can not be verified or substantiated, you are legally obligated to delete it from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Additionally, I request that you provide a copy of any documentation or evidence supporting the XXXX entry, including court records, that were used to report this XXXX to the credit bureaus. Should you be unable to provide this, the entry must be removed from my credit file immediately. 

If this inaccurate XXXX listing is not corrected or removed within the required 30-day period, I will consider filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the [ State Attorney Generals Office or State-specific regulatory body ], as my rights under both federal and state law are being violated. In some states, consumers are entitled to pursue damages for violations of credit reporting laws, and I am prepared to take all necessary actions to enforce my rights. 

Please respond promptly to confirm receipt of this letter and provide me with an update on the status of your investigation. If further documentation is required, I will be happy to cooperate to resolve this matter. 

I look forward to your timely and favorable response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: IN

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: VA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries 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

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 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Global sent a collection letter saying that I owed XXXX to XXXX XXXX XXXX XXXX.I immediately knew that it was the wrong person or fraud because I have never signed up for any service for XXXX XXXX XXXX  except internet which I don't owe them ... I contacted XXXX XXXX XXXX  and Rsdius Global to let them know that it is fraud and Radius Global sent paperwork for me to fill out for ID theft to send to them so how are they reporting this information before the investigation for fraud has not been started... reporting this information is violating my rights by you continuing to report information that is not aacurate

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 2024-11-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I'm XXXX XXXX THEIR BANK ITS PNC I WENT CASHING MY PAY CHECK THEY CHARGE ME {$21.00} THIS IS THEIR OWN PAYCHECK I WOULD TO DO A CLASS ACTION AGAINS THE PNC THIS IS MY THIRD COMPLAINT NO ACTION HAHE BEEN TACKING I WAS A CUSTOMER THEY STOLEN ALOT OF MONEY FOR RIGHT NOW ENOUGH IT'S ENOUGH THANK YOU IN ADVANCE FOR YOUR CORPORATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX finance the vehicle loan for me as a co-buyer the account was on my credit reports for just days before being removed. XXXX XXXX is blaming the credit bureaus so I filed investigation into the credit bureaus and was and found out that XXXX XXXX needs to call and put the accounts back on there since XXXX XXXX was the one that pulled it from the credit bureaus. I have repeatedly tried to get a hold of XXXX in the compliance department for XXXX XXXX but she refuses to answer the telephone. I have left numerous messages with no callback.

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 2024-11-11 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: TX

Complaint narrative:
XXXX XXXX finance the vehicle loan for me as a co-buyer the account was on my credit reports for just days before being removed. XXXX XXXX is blaming the credit bureaus so I filed investigation into the credit bureaus and was and found out that XXXX XXXX needs to call and put the accounts back on there since XXXX XXXX was the one that pulled it from the credit bureaus. I have repeatedly tried to get a hold of XXXX in the compliance department for XXXX XXXX but she refuses to answer the telephone. I have left numerous messages with no callback.

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 2024-11-11 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing.

I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations.

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. 

Dates XXXX XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing.

I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations.

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX  Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks 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 2024-11-11 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX took several overdraft fees from me over a course of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX Late/Closed XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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