vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 2024-01-05 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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 2024-01-05 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: NC

Complaint narrative:
report number XXXX EXPERIAN REPORT ACCESS collections on my credit report showing are not MINE THIS IS A RESULT OF IDENTITY THEFT THESE ACCOUNTS DO NOT BELONG TO ME AT ALL. 

XXXX XXXX XXXX  OPENED : XXXX BALANCE : {$740.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXXALANCE : {$790.00} XXXX XXXX  OPENED : XXXX  BALANCE : XXXX. CLOSED {$220.00} WRITTEN AGREEMENT PERSONAL INFORMATION ON MY CREDIT REPORT IS TOTALLY INCORRECT THE ONLY NAME ON THERE SHOULD BE XXXX XXXX XXXX THE ONLY ADDRESS SHOULD BE XXXX XXXX XXXX XXXX NC 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 2024-01-05 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: TX

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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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 hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2024-01-05 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: VA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-05 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: VA

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 non-monetary relief
Consumer complaint received 2024-01-05 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: AZ

Complaint narrative:
I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX with Social Security Number XXXX and born on XX/XX/, who received your responses and Im the one who submitted a complaint last XXXX XXXX XXXXXXXX discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2024-01-05 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: KY

Complaint narrative:
They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my TransUnion consumer report on XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXXXXXX to 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 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent account. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX XXXX  XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
Remove this unauthorized account from my credit report with the utmost urgency. Provide me with written confirmation of the removal and any supporting documentation related to the investigation. 
Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel.

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 2024-01-05 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: FL

Complaint narrative:
I request that you promptly update the delinquency date to accurately reflect the timely payments made. It is imperative that my credit report accurately represents my creditworthiness, and any discrepancies negatively impact my financial standing. 
XXXX  XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX UPDATE!!! Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I remind you of your obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information contained in my credit report. The inaccuracies identified not only violate my rights but also tarnish my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I XXXX have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
15 U.S.C. 1681b. I am writing to express my dissatisfaction and concern regarding the unauthorized use of permissible purpose codes by Early Warning Services. It has come to my attention that my banking report has been accessed and negative information has been reported without a valid permissible purpose under the Fair Credit Reporting Act ( FCRA ). I request an explanation as to why Early Warning Services accessed and reported negative information without a valid permissible purpose. I also ask for the immediate removal of this unauthorized negative information from my report.

Company response to consumer: Closed with explanation