vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : 1. Incorrect Name/Address : XXXX XXXX XXXX 2. Incorrect Name/Address : XXXX XXXX  XXXX 3 . Incorrect Name/Address : XXXX XXXX XXXX 4. Incorrect Name/Address : XXXX XXXX 5. Incorrect Name/Address : XXXX XXXX 6 . Incorrect Name/Address : XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : 1. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 2. Account Name/Number : XXXX XXXX  XXXX XXXX 3. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 4. Account Name/Number : XXXX XXXX 5. Account Name/Number : XXXX XXXX 6. Account Name/Number : XXXX  XXXX XXXX 7. Account Name/Number : XXXX XXXX XXXX 8. Account Name/Number : XXXX XXXX  XXXX 9. Account Name/Number : XXXX  XXXX XXXX  XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : 1. Incorrect Name/Address : XXXX XXXX XXXX 2. Incorrect Name/Address : XXXX XXXX  XXXX 3 . Incorrect Name/Address : XXXX XXXX XXXX 4. Incorrect Name/Address : XXXX XXXX 5. Incorrect Name/Address : XXXX XXXX 6 . Incorrect Name/Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX 7. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : 1. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 2. Account Name/Number : XXXX XXXX XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 4. Account Name/Number : XXXX XXXX 5. Account Name/Number : XXXX XXXX XXXX. Account Name/Number : XXXX  XXXX XXXX 7. Account Name/Number : XXXX XXXX XXXX 8. Account Name/Number : XXXX XXXX  XXXX 9. Account Name/Number : XXXX  XXXX XXXX  XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MI

Complaint narrative:
Under the Fair Credit Reporting Act. The list of Accounts has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681 Account Name : XXXX Account number : 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  15 U.S.C. 1681 Section 602 States I have the right to Privacy 15U.S.C. 1681 Section 604 A Section 2 It also, states a consumer reporting agency can not furnish an account without my written instructions. 
15U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all items ASAP

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 2024-06-12 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: MI

Complaint narrative:
Under the Fair Credit Reporting Act. The list of Accounts has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681 Account Name : XXXX Account number : 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 15 U.S.C. 1681 Section 602 States I have the right to Privacy 15U.S.C. 1681 Section 604 A Section 2 It also, states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all items ASAP

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 2024-06-12 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: TN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-12 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:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my 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 2024-06-12 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

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 2024-06-12 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: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2024-06-12 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have not given written permission for this account and others to be furnished on my credit report which is required in FCRA 605B and 15 USC 1681a2. I also was not made aware of these debts, nor have I received verification from the creditor including the original contract with my signature, copy of the payment history, and proof of collection authorization.

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 2024-06-12 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: CA

Complaint narrative:
Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: Westlake Services, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

They have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-12 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: GA

Complaint narrative:
I originated a business loan with XXXX XXXX XXXX under my business name in XXXX and signed as a personal guarantor. I originated multiple business loans ( XXXX ) from XXXX to XXXX, and was never late on any of my business loans, which never appeared on my personal credit. XXXX XXXX  was the service provider for XXXXXXXX XXXX XXXXXXXX and my account was setup to auto draft payments monthly. XXXX went out of business around XX/XX/XXXX and was purchased by a new company at the same time my loan was up for maturity. Due to maturity, XXXX XXXX removed my account from auto draft and would not accept any payments on the account while the loan was under renewal/extension with the new company. My drafted checking account had over {$200000.00}, so why would I risk my personal credit and not pay $ XXXX. XXXX ended up extending the loan, but XXXX added the business account to my personal credit file 5 months later and recorded 3 late payments to my account and accepted my late payments which they refused in the previous months. My credit rep at XXXX stated they would removed the late because he was familiar with the case and knew it was an isolated incident. XXXX  has refused to remove the inaccuracies. I provided letters stating they removed my account from auto debits, bank statements from the auto draft checking account. This error has caused me denial with other business loans and has affected my credit score over XXXX points.

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 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase One offers a premium subscription service for $ XXXX month tailored to elevate my cryptocurrency trading experience. 
With XXXX fees ( capped at {$10000.00} / month ), priority support and enhanced account protection. I paid for this service in XXXX, XXXX and XXXX, however : - on XX/XX/XXXX my transaction to send XXXX to my wallet at a different location was delayed 3 days for no good reason, - on XX/XX/XXXX, my bank account was charged {$190.00} to purchase XXXX  that Coinbase decided that I may like to have, - on XX/XX/XXXX, and XX/XX/XXXX, I called customer service for help with the above issues, but my account was immediately locked for 3 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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:
Hard inquires : 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 response to consumer: Closed with explanation