vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.

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 2024-03-16 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: IL

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 explanation
Consumer complaint received 2024-03-16 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:
XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-16 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 hope this message finds you well. I am writing to express my deep frustration and disappointment with the second attempt made to remove fraudulent items from my account. 

Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me undue stress and financial strain. 

I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary frustration and inconvenience. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 13 hard inquiries that are fraudulent. Ive reported this already and kindly ask you to delete all 13 hard inquiries from my Experian file. Here are 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 I kindly please ask you guys to remove/ delete these asap thanks again!

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 2024-03-16 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: CA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}

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 2024-03-16 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: CA

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
XX/XX/year> RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, and Experian it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX, and Experian has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.

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 2024-03-16 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my account. 

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My wife went to the airport today to use the XXXX XXXX citi card to check her bags in and the card declined. We logged in and it says our account is closed. No warning no explanation no letters generated. What is going on? This seems to be a form of discrimination and I do not like this treatment

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