vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/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 2024-06-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I recently reviewed my credit report and found that you have violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, you have violated : 15 USC 1681 Section 602, which grants me the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ), which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, which mandates that a creditor may not treat a payment on a credit card account as late if they haven't ensured that the periodic statement, including required information, is delivered to the consumer at least 21 days before the payment due date. 
The accounts in question are as follows : XXXX XXXX XXXX, Account XXXX, Late Payment I never gave you or the listed creditors any written instruction to furnish information on my consumer report, which constitutes a violation of 15 USC 1681b. Your actions have caused severe stress and anxiety due to your abusive and unfair practices. 

It is incorrect to list these accounts with late or missed payments. The above-listed accounts were never late and should be marked as " Pays as Agreed '' or " Paid as Agreed. '' In accordance with the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please provide concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditors who posted them.

Please remove any unverifiable information. Under 15 USC 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. Kindly send an updated copy of my credit report reflecting the requested changes. 

Best regards, 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 2024-06-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I recently reviewed my credit report and found that you have violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, you have violated : 15 USC 1681 Section 602, which grants me the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ), which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, which mandates that a creditor may not treat a payment on a credit card account as late if they haven't ensured that the periodic statement, including required information, is delivered to the consumer at least 21 days before the payment due date. 
The accounts in question are as follows : XXXX XXXX  XXXX Account XXXX Late Payment I never gave you or the listed creditors any written instruction to furnish information on my consumer report, which constitutes a violation of 15 USC 1681b. Your actions have caused severe stress and XXXX  due to your abusive and unfair practices. 
It is incorrect to list these accounts with late or missed payments. The above-listed accounts were never late and should be marked as " Pays as Agreed '' or " Paid as Agreed. '' In accordance with the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please provide concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditors who posted them.

Please remove any unverifiable information. Under 15 USC 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. Kindly send an updated copy of my credit report reflecting the requested changes. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Transunion, I recently reviewed my credit report and found that you have violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, you have violated : 15 USC 1681 Section 602, which grants me the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ), which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, which mandates that a creditor may not treat a payment on a credit card account as late if they haven't ensured that the periodic statement, including required information, is delivered to the consumer at least 21 days before the payment due date. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Late Payment I never gave you or the listed creditors any written instruction to furnish information on my consumer report, which constitutes a violation of 15 USC 1681b. Your actions have caused severe stress and anxiety due to your abusive and unfair practices.

It is incorrect to list these accounts with late or missed payments. The above-listed accounts were never late and should be marked as " Pays as Agreed '' or " Paid as Agreed. '' In accordance with the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please provide concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditors who posted them.

Please remove any unverifiable information. Under 15 USC 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. Kindly send an updated copy of my credit report reflecting the requested changes. 
Best regards, 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 2024-06-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/2024 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 

Accounts : XXXX XXXX XXXX and 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 2024-06-24 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:
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. 

Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights.

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXXXXXX XXXX  Account # XXXX has violated my rights. 

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 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
All the inquiries with Navy FCU are incorrect. I do not have any active or attached accounts open with those inquiries. Dates starting from XXXX 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 2024-06-24 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: TX

Complaint narrative:
The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 
XXXX  XXXX XXXX and 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 2024-06-24 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:
My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 it has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete this items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. IT HAS NOW BEEN 30 DAYS THIS IS BY LAW REASON FOR DELETION OF THIS FRAUD ACCOUNT 15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE

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 2024-06-24 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:
My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 it has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete this items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. IT HAS NOW BEEN 30 DAYS THIS IS BY LAW REASON FOR DELETION OF THIS FRAUD ACCOUNT 15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 

XXXX  XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover declined my fraud claims and overdrafted my account by - {$1400.00} and change. ( I forgot the exact number. ) I had been having issues with my account being used by someone I didnt know, and filed fraud claims to fight that. My claims were denied continuously, they over drafted my accounts and claim I owe them more money than I have. Im heavily biased against discover and other banks as Ive had similar issues with XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 

XXXX  XXXX XXXX, XXXX  XXXX XXXX and 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 2024-06-24 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2024-06-24 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation