vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXX XXXX  Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXX  ( Original XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Request for Removal of Incorrect Derogatory Mark on Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Bureau, I am writing to formally dispute an incorrect derogatory mark that appears on my credit report. The mark in question is related to an alleged debt with XXXX XXXX XXXX for termination fees from ending a lease early. This information is inaccurate and I respectfully request its removal from my credit report immediately. 

Please find my identifying information below : Full Name : XXXX XXXX Last 4 of my Social Security Number : XXXX XXXX File Number : ( XXXX # XXXX ) Details of the Disputed Item : XXXX XXXX XXXX {$2900.00} Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Reported : XXXX XXXX, XXXX Explanation : In XX/XX/XXXX, I vacated my rental unit at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the permission of the leasing manager. I was provided with a written vacate letter, a copy of which is attached. The leasing manager informed me that she would consult with the corporate office regarding the waiver of any termination fees. I vacated the property in good faith based on this communication. The unit was re-rented immediately after I vacated, indicating that the property did not incur losses due to early termination. 

Despite this, the management company reported termination fees to the credit bureaus, which is both erroneous and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Request for Removal of Incorrect Derogatory Mark on Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Bureau, I am writing to formally dispute an incorrect derogatory mark that appears on my credit report. The mark in question is related to an alleged debt with XXXX XXXX XXXX for termination fees from ending a lease early. This information is inaccurate and I respectfully request its removal from my credit report immediately. 

Please find my identifying information below : Full Name : XXXX XXXX Last 4 of my Social Security Number : XXXX XXXX File Number : ( XXXX # XXXX ) Details of the Disputed Item : XXXX XXXX XXXX {$2900.00} Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Reported : XXXX XXXX, XXXX Explanation : In XX/XX/XXXX, I vacated my rental unit at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the permission of the leasing manager. I was provided with a written vacate letter, a copy of which is attached. The leasing manager informed me that she would consult with the corporate office regarding the waiver of any termination fees. I vacated the property in good faith based on this communication. The unit was re-rented immediately after I vacated, indicating that the property did not incur losses due to early termination. 

Despite this, the management company reported termination fees to the credit bureaus, which is both erroneous and damaging to my credit.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
I just checked my credit and radius global added a debt that is old from when I was an identity theft victim. I thought it was illegal to add old fraudulent debt. It is on XXXX. This is not right and needs to be removed.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Original Creditor : XXXX XXXX ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Original Creditor : XXXX XXXX XXXX ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Original Creditor : XXXX ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ) The above accounts do not belong to me. I request that you remove these accounts 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Opened a new business checking silver account to attain a {$500.00} bonus by depositing {$5000.00} in 30 days and keeping it for 60 days. 

I linked my XXXX XXXX XXXX  using my U.S. bank app and on XX/XX/23 I initiated a {$2500.00} transfer and a second transfer the following day XX/XX/23 of {$2.00} for a total of {$5000.00}. 

The funds were posted on XXXX on XX/XX/23. I could no longer access my U.S. BANK account as of XX/XX/23 because they revoked access to my account and would not tell my why, and still do not tell me why. One thing Im told is that my XXXX triggered e fraud and my account was limited. 

My money of {$5000.00} is missing and still hasnt been refunded and US BANK is saying they never received it nor did it ever complete but I have email stating the opposite and the money is gone from my XXXX account All the Bank managers and representatives at US bank have been lying and deceiving. 

I just want my money back!! Its been over 10 business days

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 2023-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
This company continues to violate my consumer rights. I have proof down below in the attachments from the XXXX XXXX XXXX but they are still trying to collected a debt that is not mine. I have disputed this inaccurate account that is damaging my credit and my life. They repot to the credit bureaus that they have verified the debt belongs to me but never sent me a validation letter showing that. I reported them to the XXXX  and they never responded but say i owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX-Account Number XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} ) The above accounts do not belong to me. I request that you remove these accounts 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ). 

The above accounts do not belong to me. I request that you remove these accounts 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