vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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:
I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2000.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : 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 non-monetary relief
Consumer complaint received 2024-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: CO

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

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 2024-11-02 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: CO

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

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 2024-11-02 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: MO

Complaint narrative:
I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
Fraudulent Accounts : 1. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 2. XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 4. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} 5. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2000.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: MO

Complaint narrative:
I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
Fraudulent Accounts : 1. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 2. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} 4. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} 5. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2000.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-11-02 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: TX

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 Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: ME

Complaint narrative:
Purchased a part on XX/XX/XXXX. 
Returned part on XX/XX/XXXX. 
The part company said that they were going to issue a partial credit and keep a restocking fee. I spoke with two people at the part company who refused to return the full amount ( without the restocking fee ). I originally disputed the restocking fee on XX/XX/XXXX with US Bank because I was not informed of it. I gave all information and who I talked with on XX/XX/XXXX to US Bank. At that time I was not provided with a return slip from the part company. US Bank originally refunded the full amount. Then on XX/XX/XXXX reversed the full refund amount. On XX/XX/XXXX I found out about the reversal because I received a letter. I called in to customer service at US Bank and they said they needed more information but only asked me two questions that I had already answered. They also told me to call back on Monday XX/XX/XXXX, so I did. I was then informed on XX/XX/XXXX that they needed something on paper and signed from me which I didnt know before then. I thought the information I had provided, like who I spoke with at the part company and when and all the other information, was enough. So then on XX/XX/XXXX I went to the part company and demanded either my part or proof of return. After some arguing they agreed to give me a proof of return. They provided me with an invoice that had the partial credit amount ( minus the restocking fee ). I provided that and the original invoice and signed papers to US Bank on XX/XX/XXXX. On XX/XX/XXXX US Bank said that the invoice showing the credit amount was not proof of return. They refused to tell me what would be proof of return. The part was returned in person. US Bank is refusing to provide me with all documentation used in their consideration despite their letter saying I have a right to request it. US Bank has also not contacted the part company or their bank at all.

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 2024-11-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail. 
FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. 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 2024-11-02 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: TX

Complaint narrative:
Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail. 
FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is seven years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX  charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
Consumer Submitted method of verification letter to request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. All documentation by email or mail.

FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is seven years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of XXXX XXXX XXXX  charge off from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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 Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
Upon recent review, I noticed that my closed XXXX account is not being reported consistently across all XXXX  credit bureaus. Some bureaus have listed late payments added in XXXX, despite the account being closed in XXXX. According to the XXXX XXXX guidelines, which require standardized and accurate reporting for consumer accounts, the addition of new late payments on a closed account is both erroneous and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: PA

Complaint narrative:
A new debt from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXThey are medical bills from a hospital. I did not receive a bill from the hospital. I have medical insurance. It seems like anyone can just say you owe than and they are putting it on your credit report without verifiy the debt is valid.

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 2024-11-02 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: PA

Complaint narrative:
A new debt from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX .They are medical bills from a hospital. I did not receive a bill from the hospital. I have medical insurance. It seems like anyone can just say you owe than and they are putting it on your credit report without verifiy the debt is valid.

Company response to consumer: Closed with explanation