vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: MI

Complaint narrative:
Account : XXXX XXXX Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. 

It's ridiculous that this erroneous account is still reporting on my credit reports. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent activity on an unauthorized entry from XXXX XXXX Bank, which has negatively impacted my credit reports with XXXX, XXXX, and TransUnion. I have identified this account as fraudulent through my review of recent consumer reports, mail correspondence, and confirmation of being a victim of identity theft. I have attached it to a formal FTC Identity Theft Report. 

The specific account in question is XXXX XXXX XXXX XXXX XXXX XXXX This account reflects unauthorized payments and credit line increase requests that I did not initiate or authorize. Furthermore, I discovered that a prior dispute was logged on this account without my consent. I have never provided written permission for this account to be reported or for the transactions to occur.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent activity on an unauthorized entry from XXXX XXXX Bank, which has negatively impacted my credit reports with XXXX, Experian, and XXXX. I have identified this account as fraudulent through my review of recent consumer reports, mail correspondence, and confirmation of being a victim of identity theft. I have attached it to a formal FTC Identity Theft Report. 

The specific account in question is : XXXX XXXX XXXX XXXX XXXX This account reflects unauthorized payments and credit line increase requests that I did not initiate or authorize. Furthermore, I discovered that a prior dispute was logged on this account without my consent. I have never provided written permission for this account to be reported or for the transactions to occur.

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 2024-11-28 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: NY

Complaint narrative:
During XXXX I called the bank to try to work out a deferred payment solution during the difficult times. Both my wife and I work in hospitality and restaurant business. We have at the time XXXX mortgages. The XXXX other banks were happy to work with us to a solution. However XXXX  back whom still holds the mortgage was very rude and unprofessional so I lashed out on social media. Looking back on it now probably was not the best to do because now they have retaliated with a derogatory report on my credit. 

Please help me with this issue how can that even be legal for them to do especially since the mortgage was caught up with full payment even before this negative report was filed? 

All the best, 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 2024-11-28 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: TX

Complaint narrative:
My credit report contains inaccuracies under 15 USC 1681c-2. The hard inquiries listed were not authorized by me and should be removed immediately.

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 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
XX/XX/year> {$XXXX} was transferred from my checking account by a phone scam. USAA was contacted immediately upon recognizing the call was a scam. They did not freeze the account. the scammers were able to deplete my account by transferring to another UsAA account. i have called repeatedly trying to get an update or information. i keep getting the run around. can you please help me recover my money? the attached screen shot is the account number of where my funds were transferred. this account belongs to another USAA member located in XXXX  that i have no knowledge of.

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 monetary relief
Consumer complaint received 2024-11-28 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX  Account # XXXXXXXX Balance XXXX {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX  Account # XXXXXXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Creditor Name Date of inquiry Credit Bureau 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom

It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became a
ware of the breach of my personal information through the XXXX XXXX breach, which has exposed my sensitive data to unauthorized individuals.The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open EXPERIAN** XXXX XXXXXXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account XXXX XXXX Balance XXXX {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX  Account # XXXX  Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open UNAUTHORIZED INQUIRES Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

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 2024-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I purchased a certified battery electric vehicle a XXXX XXXX XXXX from team XXXX. 

I was sold a warranty contract that does not cover a battery electric vehicle, The finance company I was issued was Exeter finance LLC and on my contract is stated that same {$XXXX} warranty XXXX XXXX XXXX represented the sale of the vehicle both by selling a vehicle that had a dangerous battery electric vehicle with a fire hazard that was in recalled by XXXX XXXX within XXXX  days of my ownership in addition to selling me a warranty that does not cover XXXX electric vehicles XXXX XXXX was forced to resend the entire sale of the vehicle and refund me all of my money during this time I had to rent another vehicle, but the loan was still through Exeter. XXXX this loan should have been voided. 

The attached document show that the contract was rescinded. I disputed this with XXXX and XXXX and XXXX and asked Exeter to remove this from my credit report. Exeter finance denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : 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 2024-11-28 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: PA

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-28 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 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 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 2024-11-28 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: CA

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.

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 a 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.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address : 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 explanation
Consumer complaint received 2024-11-28 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: KY

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : Experian : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : 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 explanation
Consumer complaint received 2024-11-28 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:
I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, XXXX did I have any contract with them or neither do I have any signed agreement with this company. They are billing me for {$XXXX} dollars on my credit report. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT THIS IS A FRAUGLENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, nither did I have any contract with them or neither do I have any signed agreement with this company. They are billing me for {$650.00} dollars on my credit report. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT THIS IS A FRAUGLENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for the defamation of character ). XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$13000.00}, XXXX XXXX XXXX balance {$350.00}, XXXX XXXX balance {$4400.00}, XXXX XXXX XXXX balance {$2100.00}, XXXX XXXX XXXX balance {$430.00}.

Company response to consumer: Closed with non-monetary relief