vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a formal dispute letter multitude of time came back verified, I have faxed ID LETTERS EMAILS, XXXX XXXX XXXX deletion of said XXXX they have made my life a homeless one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under 15 U.S.C. 1692 ( c ) Incorrect Reporting of Accounts Dear XXXX, I am writing to formally dispute the inaccurate information listed on my XXXX credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( c ). The following accounts on my credit report are either inaccurately reported or do not belong to me : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX mn XXXX XXXX #. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX Fl XXXX XXXX # XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, SD XXXX XXXX ) XXXX # XXXX. 
XXXX ) XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX #. XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX # XXXX As per the FDCPA, I am requesting that you verify the accuracy of these accounts immediately. If any of these accounts can not be verified, I request that they be promptly removed from my credit report. 

Please send me a written statement confirming that these disputed accounts have been removed or corrected on my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period as required by law. 

Sincerely, 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: MO

Complaint narrative:
Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : XXXX. XXXX Account XXXX : XXXX XXXX : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

XXXX. XXXX XXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

XXXX. XXXX XXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account Number : XXXX XXXX : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income. 

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections. 

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-08-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : 1. XXXX Account XXXX : XXXX Status : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

2. XXXX XXXX # 1 Account Number : XXXX Status : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

3. XXXX XXXX # 2 Account Number : XXXX Status : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account Number : XXXX Status : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income.

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections.

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
The end of XX/XX/year> XXXX XXXX canceled my flight from XXXX TX to XXXX NJ, leaving me and my family stranded in Texas for 2 days. The flight was canceled due to mechanical problems with the airplane so we were told to book new flights and get a hotel room and we would be reimbursed by XXXX. So we booked a hotel, and a new flight with XXXX XXXX. The flight with XXXX was flying into XXXX PA, not XXXX NJ, so we needed a rental car as well. After submitting the receipts to XXXX XXXX we received a credit a few days later on XX/XX/year> in the amount of {$460.00} which was for hotel and rental car reimbursement and an additional credit in the amount of {$98.00} for the price difference between the XXXX XXXX tickets we had to purchase and the original XXXX XXXX tickets that were canceled. In addition to these payments from XXXX we were supposed to receive a refund for our flight that was canceled, obviously. However, we never received a refund for our original flights from XXXX and after a few phone calls and being bounced around by XXXX I decided to file a dispute with M & T Bank because I had paid with my debit card. I was given temporary credit right away on XX/XX/year> in the amounts of $ XXXX $ XXXX {$190.00} which were all charges related to the canceled flight with spirit. Then, on XX/XX/year> M & T Bank took {$460.00} + {$98.00} out of my account and said it was a provisional credit reversal. These transactions had nothing to do with the original purchase, they were additional funds owed to me by spirit airlines, yet, the money was removed by M & T Bank as a provisional credit reversal. There were also XXXX other disputes recently that were reversed by M & T because they said that I never filled out a form that they sent me, but I never received a form and nobody ever told me that I needed to fill out a form. These were the only disputes I ever filed with them and they were all reversed with no notice for false reasons. They told me to fill out the form for the other XXXX disputes and they would be reopened, which I did. However, with this one they are saying that XXXX told them to deduct that amount from my credit, which I do not believe because I have emails from spirit regarding these payments. So I asked to see that and they said they can request it, and if the request is approved I may or may not receive it in about 14 days. This is theft by M & T Bank.

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 2024-08-25 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: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been trying to research the issue first before making any false allegations. I have reached out to the IRS and they found the Identity Theft to be true. I have submitted several documents showing them the transaction made by this person at different banks for years and my XXXX XXXX has not been changed. I suspect XXXX to be my step mother XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. She may have used this after the XXXX  of my father XXXX XXXX XXXX. She has used aliases name for year on her record and she has used aliases name saying that I did it after I was forced to be separated from my Ex XXXX XXXX XXXX XXXX in which she probably made him use my information to throw off the police dept. She used to work at XXXX XXXX XXXX XXXX in XXXX, XXXX. XXXX is a doctor who prescribed the wrong medication so that she may control our finance and any inheritance from my father such as a trust fund that I never received. She complained that she had been with my father for years and couldn't get any of the money or assets when he passed away because they were divorced before he XXXX. She then used his sister XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. My XXXX XXXX was higher while I reside at a shelter where they were fearful to use any money or social security number or benefits after filing Identity Theft and police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: MO

Complaint narrative:
Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/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 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 1 Credit Card account and 6 Personal Loan accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX on XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ), and XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IN

Complaint narrative:
I am trying to get approved for a credit card but it keeps denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: VA

Complaint narrative:
The following inquiries are unauthorized or inaccurate, and l ask that you delete them please and thank, Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on 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 2024-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Was notified by email and letter that I was part of the XXXX XXXX XXXX XXXX in XXXX. Nothing has changed and loans still pending discharge. This has hurt my credit score and getting approval for other loans with these still in place and nothing discharged. I can not get information from anyone on when this will finally happen. My loan servicer is Navient, which has changed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, 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 non-monetary relief
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax for Improper Use of Personal Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for what I believe to be improper use of my personal information. 

On XX/XX/year>, I discovered that " Equifax accessed my credit report without my authorization '' and " incorrect information was reported on my credit file that adversely affects my chances of obtaining a loan due to incorrect name listed on my credit report. This has caused me significant distress and has negatively impacted me. 

Despite my attempts to resolve this issue directly with Equifax. I've submitted all supporting documents. My Driver 's License, utility bill, insuranc, payslip as well. 

I believe that this incident constitutes a violation of my rights under the Fair Credit Reporting Act and other relevant consumer protection laws. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Equifax adheres to the regulations governing the use of consumer information. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation