vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXXXXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX 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 explanation
Consumer complaint received 2024-09-04 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: VA

Complaint narrative:
XXXX XXXX reported my account late. My credit history was perfect with them as I am on an auto pay for my time share. They stated that the card declined. This is impossible as I shared with them my bank balance on the dates they supposedly ran the card. They can not tell me why it " declined '' as their accounting software seems to be antiquated from that perspective. I spent countless hours on the phone with them and got literally nowhere. I had no notification from my bank that they even tried to charge the card and if they did charge it and it " declined '', it couldn't have as I have overdraft protection on that account and card. 
I called on XX/XX/XXXX, no resolution after XXXX hours on the phone as their phone lines kept disconnecting. 
I submitted a dispute thru Experian on XX/XX/XXXX and XXXX XXXX responded within hours stating they were correct. I disputed again on XX/XX/XXXX with backup showing my bank balance at that time and they denied it again. I don't believe they even reviewed it. I have no late payments on my credit report and this has negatively affected my credit score through no fault of my own.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
The company did not lower the amount and only did a forebarence measure. And the company still refuses to explain why the interest is significantly higher than the acutal amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
Despite my repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing significant stress and XXXX. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Today, I was dismayed to find unauthorized inquiries on my credit report with no explanation. I regularly check my report, but this time, unexpected discrepancies appeared. I tried refreshing my browser, thinking it might be a technical issue, but the inquiries did not disappear. This situation is troubling, and I ask that the documents I've provided be thoroughly examined so I can stop worrying about 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-04 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: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-09-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-04 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-04 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: SC

Complaint narrative:
COMPANY EXPERIAN IS COMMITTING FRAUD AND ALSO COMMITTING STALLING TACTICS TO NOT DO THEIR JOB AND REMOVE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. CONSUMER HAS SENT IN PROOF OF IDENTIFICATION AND OTHER DOCUMENTS SUCH AS UNITED STATES PASSPORT, AND EXPERIAN WILL NOT REMOVE FRAUDULENT ACCOUNTS. CONSUMER DOES NOT NEED TO CONTINUOUSLY SEND IN PROOF OF IDENTIFICATION, WHICH IS A RESULT OF VIOLATING THE LAW AND EXPERIAN HAS THE INFORMATION ALREADY 15 USC 1681 AND 18 USC 1028 AGGRAVATED IDENTITY THEFT. ACCOUNTS ON CREDIT REPORT THAT ARE FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER 'S INFORMATION HAS BEEN IN ALL 3 BUREAUS DATA BREACHES AND SOCIAL SECURITY ADMINISTRATION BREACH. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS .ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER 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 2024-09-04 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: SC

Complaint narrative:
COMPANY EXPERIAN IS COMMITTING FRAUD AND ALSO COMMITTING STALLING TACTICS TO NOT DO THEIR JOB AND REMOVE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. CONSUMER HAS SENT IN PROOF OF IDENTIFICATION AND OTHER DOCUMENTS SUCH AS UNITED STATES PASSPORT, AND EXPERIAN WILL NOT REMOVE FRAUDULENT ACCOUNTS. CONSUMER DOES NOT NEED TO CONTINUOUSLY SEND IN PROOF OF IDENTIFICATION, WHICH IS A RESULT OF VIOLATING THE LAW AND EXPERIAN HAS THE INFORMATION ALREADY 15 USC 1681 AND 18 USC 1028 AGGRAVATED IDENTITY THEFT. ACCOUNTS ON CREDIT REPORT THAT ARE FRAUDULENT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. CONSUMER 'S INFORMATION HAS BEEN IN ALL XXXX BUREAUS DATA BREACHES AND SOCIAL SECURITY ADMINISTRATION BREACH. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS .ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH XXXX XXXX, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Registration Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX XXXX that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER 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