vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2024-09-12 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting acccurately. I had 4 late payment on an account that was, in fact, Paid on time. Consumer reporting agencies need to report all information with compelete accuracy. This account has not been late on payment. I have attached a copy of my credit report with the relevate dates. I am requesting that you investigate this account and update the late payments to be reported as paid on time, Immediately. Thank you fro your prompt attention to 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 2024-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: IN

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patiently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the re-invesigation of information. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. Pleas delete the following account : 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 2024-09-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As a the overwhelming weight of authority holds that credit report is inaccurate either when it is patiently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns a about the re-invesigation of information. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. Pleas delete the following account : 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 2024-09-12 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:
I am filing a complaint against Equifax regarding their failure to respond to my dispute letter. On XX/XX/XXXX, I mailed a dispute letter to Equifax via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Equifax in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Equifax. Subsequently, I sent another dispute letter to Equifax dated XX/XX/XXXX. Despite my clear and thorough request, I did not receive any response from Equifax with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Equifax has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Equifax, along with proof of delivery, to support my claim. I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-12 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2024-09-12 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: IL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Paid an amount of XXXX on card card due amount for XXXX XXXX XXXX  card under XXXX XXXX XXXX XXXX card XXXX. They are saying they will refund the penalty on payment of XXXX but they say no record of XXXX on XX/XX/year> from online bank payment system with my bank XXXX XXXX Bank XXXX They told me after an investigation at XXXX card payment that they are not responsible because I payment was never received by XXXX. XXXX Bank, XXXX Bank XXXX XXXX says they see it as posted ( I have a copy posted XX/XX/XXXX from same ) confirmation number XXXX from checking account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: PA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

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 2024-09-12 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.

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 2024-09-12 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: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.

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 2024-09-12 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: MO

Complaint narrative:
I have submitted numerous disputes attached with identity theft reports from the FTC and XXXX Police department notifying Equifax credit bureau of several fraudulent inquiries. They have failed to remove tmthe fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: LA

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

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 - Balance {$XX/XX/XXXX} Account Name : XXXX XXXX XX/XX/XXXX# XXXX - Balance {$XX/XX/XXXX} Account Name : XXXX XXXX XXXX # XXXX Balance {$XX/XX/XXXX} Account Name : XXXX XXXX XXXX # XXXX - Balance {$XX/XX/XXXX} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

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 XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX 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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XX/XX/2023, I fell victim to a wire transfer scam. I was contacted by numerous fake numbers over the phone, starting with a fake XXXXXXXX XXXX XXXX XXXXXXXX, and a bunch of other numbers XXXX, XXXX, XXXX, XXXX, claiming to be " secure '' federal agency numbers, XXXX XXXX XXXXXXXX etc. The scammers claiming to represent law enforcement and social security etc., tricked, scammed, conned and pressured me to wire transfer money in my XXXX account to social security or government entity as part of " social security suspension protocol ''. They said I am a victim of identity theft, my social security number has to be suspended, money held in a government account until I can be issued a new social security number, and my money will be returned from the government. They used the XXXX app to communicate the fraudulent wire transfer information with me, which I fell victim to do a wire transfer at the bank branch. XXXX XXXX, I was instructed to wire money to a person, with an account at XXXX  XXXX XXXX. XXXX banker failed to review the wire fund scam warnings with me, had they gone over those warmings with me, it would have prevented me from completing the transaction, as the scammers used the exact tactics and trickery such as government secrecy, confidentiality, urgency and intimidation as described in the warmings. 

I immediately contacted XXXX upon realizing I had been scammed, and logged in XXXX pages of desperate calls, branch visits with XXXX, but have been left in the dark in the past XXXX months about the status of the funds, investigation, and whether a hold harmless letter, which XXXX XXXX XXXXXXXX continued to request since the initial recall, has been indeed sent. XXXX has failed to act in a timely manner, investigate this scam. I have been misled, neglected and treated deeply unfairly by the financial institution who did not act property to protect the consumer who suffered a great loss in the hand of scammers. I'm seeking answers and hold the bank responsible for failed fund recovery. XXXX months of time is simply not acceptable. I have filed a police report, report with XXXX XXXX, FTC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
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 response to consumer: Closed with explanation