vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: NV

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

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 2024-12-06 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: PA

Complaint narrative:
I recently pulled a copy of my credit report and seen you are still reporting inaccurate information. If your creditor cancelled your debt and issued you a 1099 -C they can't keep reporting it as a charge off it is ordinary income. According to 15 U.S. Code 1681e- Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. Please remove the two accounts listed below from my consumer reportXXXX XXXX XXXX XXXX and XXXXXXXX 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 2024-12-06 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:
I recently pulled a copy of my credit report and seen you are still reporting inaccurate information. If your creditor cancelled your debt and issued you a 1099 -C they can't keep reporting it as a charge off it is ordinary income. According to 15 U.S. Code 1681e- Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. Please remove the two accounts listed below from my consumer report. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
This response by XXXXXXXX XXXX XXXX  indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and XXXX XXXX  XXXX, or my non-public private information, to be furnished or published by XXXX XXXX  XXXX, its non-affiliated third parties, or any consumer credit reporting agencies, including XXXX, TransUnion, XXXX, XXXX, and others. As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within 5 business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages.

Furthermore, charged-off are income according to the IRS but XXXXXXXX XXXX XXXX failed to send me 1099C using this deceptive tactic to continue to harm but also for their financial gains.

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 2024-12-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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 disputing the late remarks on this account because the account was opened and used fraudulently without my knowledge or consent. I believe this account was a result of identity theft, and I did not authorize any transactions or account activity. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late payment dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Correction to my report, I demand these late payments be removed 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 2024-12-06 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: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I recently received confirmation from the bankruptcy court stating they did not send my information to the credit reporting agency which means they found and reported it without my consent or sending me any information to verify it was correct which is a violation of U.S. Code 1681b permissible purpose. Also I am the only one who can verify my information correctly before anything is attached to my credit file and they did not send me any information ( physical verifiable proof ) USPS so I could confirm that it belongs or did not belong to me which is another violation of FCRA law 15 U.S. Code 1681s-2, 15 U.S.Code 1692j and 15 U.S.Code 1681c. For each violation I could receive monetary compensation of up to {$1000.00} in the court of law, but at this stage of the process I will settle with deleting and blocking it from my consumer report effective immediately also I have attached documentation signed by me and the court stating they do not report to any credit agency which means they stole the information and reported it without my consent or the courts consent that is illegal on so many levels. This has stained my consumer report and caused me so much damage physically, mentally, and financially. I am a XXXX  mother working to get me and my kids a place to call home but the credit reporting agency has placed obstacles in my way making it extremely impossible to overcome. im drained mentally and physically and have exhausted all my resources trying to overcome this hurdle. I have been doing intensive researching seeing how is this possible for them to do to me and I have found that what they have done to me is highly illegal and devastating to my future. I just ask the CFPB to help me overcome this battle so I can move forward with my life in peace. Thank you for your time and consideration to listen to what I had to say hopefully you resolve this issue immediately or I may have a XXXX XXXX  due to stress and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I noticed inaccuracies on my credit report related to 15 USC 16c-2, as some hard inquiries were not authorized by me. Kindly delete these unauthorized inquiries at once.

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank closed all my accounts without notice. Majority have been open for 5+ years, and always in good standing. Non promotional balances were always paid in full monthly. During the pandemic when issuers were lowers consumers cards limits, all my accounts were always in good standing. I have a XXXX credit score and XXXX income. This is completely unethical.

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 2024-12-06 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:
To whom it may concern : I am also requesting that you provide me with a copy of my credit report so that I can verify its accuracy.I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! Again! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated 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 2024-12-06 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:
I LOOK AT MY REPORT AN NOTICED SOME INACCURATE INFORMATION ON MY REPORT. 

XXXX XXXX XXXX : REPORTED XX/XX/XXXX OPEN : XX/XX/XXXX AMOUNT : {$2300.00} XXXX XXXX XXXX : REPORTED XX/XX/XXXX OPEN : XX/XX/XXXX AMOUNT : {$400.00} I NEVER DID ANY BUSINESS WITH NEITHER OF THESE COMPANIES NOR DO I HAVE A CONTRACT OR SIGN A CONTRACT WITH THEM

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : Follow-Up on Dispute Regarding Inaccurate Information on My Credit Report Subject : Formal Complaint - Noncompliance with 15 U.S.C. 1681e and 1681s-2, General Prohibition on Reporting Inaccurate Information ( 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( C ) ), Duty to Correct and Update Information ( 623 ( a ) ( 2 ) ), Duties of Financial Institutions ( 623 ( a ) ( 7 ) ), Failure to Promptly Modify, Delete, or Block Information ( 623 ( b ) ( 1 ) ( E ) ) : Failure to Assure Maximum Accuracy ( 1681e ( b ), Unauthorized Access Violations ( 1681e ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Follow-Up on Dispute Regarding Inaccurate Information on My Credit Report Subject : Formal Complaint - Noncompliance with 15 U.S.C. 1681e and 1681s-2, General Prohibition on Reporting Inaccurate Information ( 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( C ) ), Duty to Correct and Update Information ( 623 ( a ) ( 2 ) ), Duties of Financial Institutions ( 623 ( a ) ( 7 ) ), Failure to Promptly Modify, Delete, or Block Information ( 623 ( b ) ( 1 ) ( E ) ) : Failure to Assure Maximum Accuracy ( 1681e ( b ), Unauthorized Access Violations ( 1681e ( a ).

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 2024-12-06 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: NC

Complaint narrative:
Name : XXXX XXXX, SSN : XXXX, Date of Birth XXXX. Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate information consists of a personal credit card account with XXXX  XXXX opened XX/XX/XXXX under the account number XXXX with the balance of {$1000.00}, a credit card account with XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX with balance of {$1500.00}, a credit card account with XXXX XXXX opened XX/XX/XXXX under the account number XXXX with a balance of {$100.00}, a car loan account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX with a balance of {$7700.00}. These accounts have resulted in several fraudulent hard inquiries and charge offs appearing on my consumer FICO credit report. I have attached a list of the charge off accounts in question as well as the consumer FICO credit report maintained by which shows aforementioned fraudulent items. I do not recognize aforementioned accounts, inquiries and charge offs as reported. The aforementioned accounts, charge offs on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and charge offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned accounts, charge offs and negative items are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have two accounts with Coinbase. I transfer my balance from the primary account to the second account. After doing so, I received the following email : ( You have {$410.00} USD worth of cryptocurrency in your Coinbase account that is currently unclaimed. This means it will be returned to the sender if you don't log in to claim it in the next 20 days. ) Email received XX/XX/2024. 

I never claimed the amount, so this is supposed to be back in my main account, but my balance is {$0.00}. No history is available. 

I have been trying to contact them since then and I have not received any email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently reviewed my credit report and noticed that there some fraudulent account on here and they're hindering me from obtaining credit at this time. 

Please come up with a fair resolution to this problem. 

Thank 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am extremely frustrated to discover that my credit profile has been locked or block by XXXX XXXX XXXX. As a responsible consumer, I recently filed a dispute to remove fraudulent inquiries from my credit report. However, I did not authorize for my credit report to be locked. This has caused inconvenience and hindrance in my financial activities. I urge XXXX XXXX XXXX to remove the block immediately and take necessary actions to resolve this matter. I expect this matter to be addressed promptly. Thank you. This is not a report of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX  XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Disputed Late Payments I noticed that two late payments are inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. The reporting of late payments is inaccurate and negatively affects my credit report. I am requesting that you confirm the account status remains " Paid As Agreed Never Late '' and ensure that no errors exist in your records. 
Request for Investigation and Documentation Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I kindly request : A detailed description of the investigation process used to verify this account 's information. 
Documentation of the evidence supporting the reporting of late payments. 
If you can not provide verifiable proof of the alleged late payments, I request that the account be updated to reflect its accurate status as " Paid As Agreed Never Late. '' Attachments For your convenience, I have included the following : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your prompt attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation