vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
Complaint Against TransUnion Subject : Denial of Fraud Block Request and Failure to Address Identity Theft Claims Details of the Complaint : TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) by : Denying a Valid Fraud Block Request : I submitted an FTC Identity Theft Report, along with proof of identity and address, as required by FCRA 605B. TransUnion rejected this documentation and failed to block fraudulent accounts and inquiries from my credit report. 

Failing to Investigate Disputes : Despite receiving disputes regarding fraudulent accounts and inquiries, TransUnion continues to report incorrect information, violating FCRA 611 ( a ). 

Ongoing Reporting of Inaccurate Information : Fraudulent accounts such as XXXXXXXX XXXX XXXX XXXX XXXX, and multiple XXXX XXXX accounts remain on my report, along with unauthorized inquiries. This violates FCRA 1681e ( b ) ( maximum possible accuracy ). 

Harm Caused : Financial Harm : Denial of credit opportunities and increased interest rates due to fraudulent accounts. 

Reputational Damage : False information on my report has harmed my creditworthiness. 

Emotional Distress : Prolonged stress and frustration caused by TransUnions negligence.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Multiple disputes have been filed with 3 major credit bureaus and calls made to Navient to correct this matter. 

Navient as a company is now closed. All reporting is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Last month, I sent XXXX a formal letter exercising my right to opt out under 15 U.S.C. 6802 and 16 CFR 313.7. The company has not responded or confirmed compliance with my request. I have attached the letter for reference. 

I request the CFPBs assistance to ensure the company processes my opt-out request as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Support Team, I hope this message finds you well. I am writing to request an update to my public records to reflect my current phone number. Ensuring the accuracy of this information is important to me, and I would greatly appreciate your assistance in this matter. 

Phone Number to Add or Update : XXXX To assist with this process, I have included documents that verify my identity and confirm my phone number. Should you need anything further to complete the update, please do not hesitate to contact me. 

I kindly ask that this request be handled at your earliest convenience. I would also appreciate a confirmation once the update has been made. 

Thank you for your attention and support. Feel free to reach out to me at XXXX or XXXX if you require additional information. 

Best regards, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I submitted a formal dispute to Equifax on XX/XX/year>, regarding multiple unauthorized inquiries on my credit report resulting from identity theft. These inquiries negatively impact my creditworthiness and were made without my consent. In my initial dispute, I requested a thorough investigation into these inquiries, along with copies of all supporting documentation used to validate their legitimacy, including applications, identification, and verification methods. I also requested the immediate removal of these inquiries if they could not be verified and a written confirmation of the investigation 's outcome, including any corrections made to my credit report. 

Despite providing clear details in my dispute and following up with additional clarification letters, Equifax failed to address my concerns appropriately. Instead of focusing on the specific inquiries I disputed, Equifax either mismanaged the investigation or addressed unrelated accounts, resulting in unnecessary delays. After I pointed out these issues in follow-up letters, Equifax dismissed my dispute as " irrelevant '' without conducting a reasonable investigation as required under FCRA Section 611 ( 15 U.S.C. 1681i ). This dismissal demonstrates Equifaxs negligence and disregard for its legal obligations under the FCRA. 

In addition to failing to investigate the disputed inquiries, Equifax did not provide any of the requested documentation, violating FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ), which entitles me to receive all records related to the verification of disputed information. Furthermore, Equifax did not remove the fraudulent inquiries, despite failing to verify their legitimacy, which is a direct violation of their obligations under FCRA Section 611. 

The unauthorized inquiries remain on my credit report, continuing to harm my financial standing and creditworthiness. Equifaxs failure to comply with FCRA requirements, dismissive handling of my valid dispute, and lack of communication regarding their investigation have caused undue stress and frustration. Their actions, or lack thereof, are unacceptable, and I expect Equifax to fulfill its legal obligations to investigate and resolve this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Support Team, I am reaching out to request an update to the contact details listed in my public records. Specifically, I would like to ensure that my current phone number is correctly added or updated in your database. 

Phone Number to Update : XXXX For your convenience, I have attached the necessary documentation to verify both my identity and my phone number. If there is any additional information or paperwork required to process this update, please let me know. 

I would appreciate it if you could process this request promptly. Please confirm with me once the update has been successfully completed. 

Thank you for your prompt attention to this matter. If you need to contact me for further clarification, I am available by phone at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
I recently applied for credit through XXXX XXXX. I was denied an extension of credit. See attached. The credit score reflected from the creditor inquiry is XXXX. I have encloses credit scores from XXXX  XXXX and XXXX which are significantly different. The creditor can not detail which specific score model it pulled from. This incorrect based on what is being reported. See Attached. This error is presenting my ability to obtain correct.

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 2024-12-20 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: FL

Complaint narrative:
Their is a hard inquiry on my Equifax consumer report from XXXX XXXX that I did not authorize them to pull a copy of my consumer report. They have not provided me any documents showing I consented to such report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Their is a hard inquiry on my XXXX consumer report from Capital One that I did not authorize them to pull a copy of my consumer report. They have not provided me any documents showing I consented to such report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXXXXXX XXXX XXXX and I would like them removed off my credit report. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. 

I'm asking for them to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and they are refusing to delete this information. This also is a cease and desist. 

According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. 

I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. 

I'm a XXXX in which our information has at times appeared on our credit reports or it may be neither of ours.

No matter what the situation may be I've never done business with this company or have a signed contract and this information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My husband XXXX XXXX XXXX and I received a deposit into our joint TD savings account. We want to identify the issuer of funds received and whether the issuer had authority to make the XXXX XXXX income tax refund deposit on behalf of the US Treasury. Question 1 : Was this deposit made by Wells Fargo Bank on behalf of the US Treasury? Date : XX/XX/XXXX Amount : {$4500.00} Company Name : IRS XXXX XXXX Company ID : XXXX Customer Name : XXXX, XXXXXXXX XXXX XXXX  Customer ID : XXXX Trace : XXXX Bank of Origination Name : US TREASURY XXXX  XXXX XXXX XXXX XXXX : XXXX Question XXXX : Who is " XXXX ''? Question XXXX : Who is " DE ''? Question XXXX. Identify IRS XXXX XXXX Company ID : XXXX name and XXXX? Question XXXX : What happened to our XXXX income tax refund now past due for over eight months? We were expecting {$5000.00} now due with interest.

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 2024-12-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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 received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXXXXXX XXXX XXXX and I would like them removed off my credit report. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. 

I'm asking for them to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and they are refusing to delete this information. This also is a cease and desist. 

According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. 

I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. 

I'm a XXXX in which our information has at times appeared on our credit reports or it may be neither of ours.

No matter what the situation may be I've never done business with this company or have a signed contract and this information must be deleted.

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