vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: CA

Complaint narrative:
Me and my husband went to a mortgage broker to see if we qualified for a mortgage and we where told we had negative items on our credit reports. After investigation, we found out that we had fraudulent items on our credit reports.

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 2024-01-08 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-01-08 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-01-08 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: FL

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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 2024-01-08 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: GA

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under XXXX XXXX XXXX ( XXXX ) removal of XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( b ) Compliance procedures maximum possible accuracy & section XXXX XXXX XXXX code XXXX B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

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 2024-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, DEPT OF EDUCATION/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$9200.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00}, and DEPT OF EDUCATIONXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this 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 2024-01-08 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: IA

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. EXPERIAN UNATHORIZED FRAUDULENT INQUIRIES : 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 2024-01-08 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: IA

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. EXPERIAN UNATHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXXXXXX 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 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 

I have disputed and reached out to this company on multiple occasions regarding this item that appears on my XXXX credit report. I have sent multiple debt validation letters requesting specific information listed as follow : Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical XXXXmedical records. 
Cease any credit bureau reporting until the debt has been validated by me. 

This company was also informed that this account with the original creditor was fraudulent and a part of a federally documented identity theft case in which a Federal Affidavit of Identity Theft was provided multiple times. Documentation as it relates to this account was also provided. This case was a part of a criminal case in which the person who stole my identity was XXXX and sentence to a XXXXXXXX XXXX XXXX for this account and several others. This collection agency refuses to remove this item and keeps updating this item on my credit report as to say that I owe this debt. At this point, I have reached out to a Consumer Finance Attorney to fully intend intend to exercise my right sue this collection agency under violating my rights as a consumer under the FCRA and FDCPA, defamation, mental and emotional distress caused by reporting this items falsely, failing to remove inaccurate account of this debt from multiple credit bureau after sufficient proof was given, failure to provide notice of account deletion via postal mail, and wrecking my credit score which resulted in denials for over 6yrs from the date they added the account as a debt to all major credit bureaus. I fully intend to follow through with this federal lawsuit. I only asked that they remove the false and erroneous account from my credit report. There direct refusal to provide adequate proof that this debt belongs to me and refusal to remove this account have made it nearly impossible without taking full legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: GA

Complaint narrative:
I sent a letter last XX/XX/XXXX  to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days but until now their is no any responses I received. Ive already included this in my previous complaint & I am including it again., 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 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXXXXXX IN 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
It has come to my attention that someone has altered my name associated with my social security number. Per conversations with the social security administration there was activity unauthorized and unknown to me regarding my legal name as associated with my social security number. 
I have reason to believe that I may have been or will be the victim of bank and financial fraud. In particular certain marital assets and trust assets held at SunTrust, XXXX XXXX SunTrust XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX XXXX may be at risk. Such bank branches primarily located in XXXX and/or XXXX, TN. 
I seek your help on how to flag any accounts held in my name or for my benefit. In particular, how to ensue any transfer or removal of my rights to custodial assets. 
I have reason to believe the trust assets involved evade [ $ XXXX ]. As of [ 2014 ] the assets have been a part of a civil dispute. I have not authorized any transfer of assets held in my name or for my benefit. 
Unfortunately, trust officers at the aforementioned banks may be incentivized ( or misled ) to commit fraud. The law firm XXXX XXXX XXXX XXXX  office, at XXXX XXXX XXXXXXXX, has a long history representing the trust and related accounts at issue. 
I seek your help to assure my accounts are held and protected in accordance with all applicable laws and regulations. 
Thank you, 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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to you regarding my recent review of my credit report obtained from your bureau. Upon careful examination, I noticed that there are late payments reported on my account. I have taken proactive measures to address and rectify any late payments, and I am pleased to inform you that other credit bureaus have already removed the late payments from their reports. I would like to understand the reason behind the discrepancy in reporting between your bureau and others. 

XXXXXXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXXXXXX customer service representative. XXXX have already corrected this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

To provide additional context, I have attached relevant documentation, including proof of payments and any correspondence with the creditor in question. I believe that there may be an error or oversight that has led to the discrepancy in reporting. 

I kindly request that you investigate this matter thoroughly and, if appropriate, update my credit report to accurately reflect the current status of my accounts. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: GA

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under XXXX XXXX XXXX ( XXXX ) removal of XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( b ) Compliance procedures maximum possible accuracy & section XXXX XXXX XXXX code XXXX B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

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 2024-01-08 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: GA

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under XXXX U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a matter of significant concern involving a financial transaction with Chase Bank that requires immediate intervention. 

Recently, I received a cheque in the amount of {$24000.00} from a colleague, whose account at XXXX Bank was closed. The payee company is XXXX XXXX XXXX, an associate of ours. Due to the absence of an alternative bank account in the United States, they requested that I deposit the cheque into my XXXX  account at CHASE to facilitate the retrieval of funds. Subsequently, I successfully deposited the cheque, and the system credited the funds to my account. 

Regrettably, XXXX day after the funds were credited, Chase Bank froze my accounts, asserting that they would remain restricted until the issuer of the cheque ( whose account is now closed ) initiates a request for the funds. 

Upon my colleague 's request to XXXX Bank ( XXXX XXXX ) for such action, they declined, stating that the account has already been closed and the funds have been disbursed. 

In summary, the {$24000.00} is currently held by Chase Bank under my XXXX  account ( Company B ). Chase Bank insists that the funds will only be released once they can verify the legitimacy of the transaction from Company A to Company B. 

Given the urgency and complexity of this matter, I kindly request your prompt assistance in facilitating the resolution of this issue. Your guidance and intervention would be greatly appreciated in unlocking the frozen funds at Chase Bank. 

Thank you for your immediate attention to this matter. Please feel free to contact me if any further clarification is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: LEXISNEXIS
State: GA

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

Company response to consumer: Closed with non-monetary relief