vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX ga XXXX XXXX : DISPUTE/RESOLUTION SPECIALIST RE : ADVERSE ACTION ( REMOVAL OF INQUIRY ) I did not authorize these inquires list below XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are in viollation of the Fair Credit Reporting Act 15 usc 1681b ( a ) ( f ) ( i ) for unlawfully obtaining my consumer report without my authorization or permissible purpose under the 15 usc 1681 FCRA and its guidelines for permissible purpose.

As you may be aware, it is aginst fedreal law in accordance with Equal Credit Opprotunity Act to proclaim an adverse action aginst a consumer. Pursuant 15 usc code 1691 ( k ) and these follwoing compaines have done so and has violated my federal rights : 1. 15 us code 1642 2. 15 us code 1681 ( m ) 3. 12 cfr 1002 A person shall not use or obtain a consumer repor for any purpose unles ; 1. The consumer report is obtained for 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 ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) 15 usc 1681b ( c ) Furnishing reports in connections with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agencyshall not furnish to any person a record of inquires in connection with a creditor insurance transaction thatis not initiated by consumer.

intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; I have not initiated any transaction with with the companies listed above. I do not have an account as defined under 15 usc 1693a ( 2 ) with credit for review or collection.

Since you see I have no accounts listed to those inquires this shows proof and evidence that i have been discriminated aginst, you are also criminally liable. You should resort to reasonable procedures to rectify this affiar and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorize use since i have not recieved NO BENEFIT. 

Following this initial attempt to rectify, i will be sending and invoice to collect actual damages for said violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: 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 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 
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 2024-03-15 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:
Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts.

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 2024-03-15 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2024-03-15 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2024-03-15 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: 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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 2024-03-15 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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 am a victim of identity theft please remove this fraud inquiry 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 2024-03-15 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: KY

Complaint narrative:
This communication serves as a follow-up to my previous complaint. As a victim of fraudulent activity, I am hereby requesting the expedited removal of certain items from my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This statute requires the deletion of such entries no later than four business days after XX/XX/XXXX. I have previously addressed this issue in my correspondence and an FTC report, now underscored by a newly submitted FTC XXXX XXXX XXXX The continued presence of these items, which remain unfamiliar to me and have been removed by other bureaus, casts doubt on their legitimacy. Listed below are the details of the items in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice, while a follow-up, is also a formal complaint. Should these items not be removed, I am prepared to initiate legal proceedings. My legal counsel is fully aware of my intentions and stands ready to pursue litigation in response to your noncompliance. I am issuing this as a renewed request for the eradication of entries linked to alleged fraudulent activity.

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 2024-03-15 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: KY

Complaint narrative:
This communication serves as a follow-up to my previous complaint. As a victim of fraudulent activity, I am hereby requesting the expedited removal of certain items from my credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This statute requires the deletion of such entries no later than four business days after XX/XX/XXXX. I have previously addressed this issue in my correspondence and an FTC report, now underscored by a newly submitted FTC Report XXXX XXXX. The continued presence of these items, which remain unfamiliar to me and have been removed by other bureaus, casts doubt on their legitimacy. Listed below are the details of the items in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice, while a follow-up, is also a formal complaint. Should these items not be removed, I am prepared to initiate legal proceedings. My legal counsel is fully aware of my intentions and stands ready to pursue litigation in response to your noncompliance. I am issuing this as a renewed request for the eradication of entries linked to alleged fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NC

Complaint narrative:
SOMEONE STOLE MY INFORMATION AND COMMITTED FRAUDULENT ACTIVITIES ON MY ACCOUNT. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES ASAP. 
THANK YOU SO MUCH.

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 2024-03-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
SOMEONE STOLE MY INFORMATION AND COMMITTED FRAUDULENT ACTIVITIES ON MY ACCOUNT. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES ASAP. 
THANK YOU SO MUCH.

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 2024-03-15 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 am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-03-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Transactions where made from XX/XX/XXXX to XX/XX/XXXX that addded up to the amount of XXXX or more. I made a police report and faxed it to them and they aproved one of the transactions for XXXX but denied the rest of my dispute ive re opened the claims more them 7 times and still denied. And i need my money

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 2024-03-15 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: OH

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB XXXX XXXX Is still open and unresolved. It has been 45 days and this has not been addressed. 

YOUR COMPLAINT The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, used, and shared. Section 1681b of Title 15 of the United States Code ( 15 USC 1681b ) specifically addresses permissible purposes for obtaining consumer reports. It outlines the situations in which a consumer reporting agency is allowed to provide a consumer report to someone. In summary, 15 USC 1681b outlines the permissible purposes for obtaining a consumer report, and it generally restricts access to consumer reports to situations where there is a legitimate need. Permissible purposes include : In response to a court order or federal grand jury subpoena. With the consumer 's written consent. For a legitimate business need in connection with a credit transaction initiated by the consumer. For employment purposes ( with certain restrictions and additional requirements ). For the underwriting of insurance. When there is a legitimate business need related to a transaction initiated by the consumer, such as reviewing an account or collecting a debt. To comply with laws, regulations, or a legitimate government need. The following Non-permissible inquiries are listed on my credit report. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX 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 2024-03-15 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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation