vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information currently listed on my consumer report, which has resulted in a violation of the Fair Credit Reporting Act ( FCRA ) due to unauthorized use and reporting of my personal information. Despite my efforts to resolve this issue directly with the reporting party, [ Company Name, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc ], they have failed to provide validation or correct the inaccuracies as mandated by the FCRA. 

Almost a year ago now ], I sent a certified mail request to [ Transunion ] asking them to validate the accuracy of the reported information and provide the original creditors information to my place of abode, as required under 15 USC 1692. To date, no such validation has been provided, and the inaccuracies remain uncorrected. Furthermore, I have contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, but no further action has been taken to investigate or rectify the inaccurate information on my consumer report. 

This inaction is a direct violation of the FCRA, which mandates that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of incorrect information on my report is damaging and represents a significant failure to uphold the legal standards intended to protect consumers. 

I am requesting that [ Transunion ] conduct an immediate investigation into the accuracy of the information reported by [ Transunion ] and that any unverifiable or inaccurate information be promptly removed or corrected as required by FCRA. I also request that you provide me with written confirmation of the results of your investigation and any corrective actions taken. 

If you need any additional information from me to facilitate your investigation, please let me know at your earliest convenience. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX All Rights Reserved.

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 2024-09-10 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: GA

Complaint narrative:
25 unauthorized inquiries on my credit report that XXXX refuse to remove, Im an identity theft victim and I did not Try to get a new vehicle. Someone tried to use my name to get get a vehicle without my permission. These are the unauthorized 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 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As much as I want to understand that there may be a surge of people reaching out to you about their credit report, I still don't get why my complaint has not progressed or given any possible outcome about this matter. I am extremely disappointed because the accounts I asked of you to remove is still reflecting on my file and is negatively affecting me and my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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:
XX/XX/year> I was applying for a refinance of my mortgage. I completed the application on the phone with XXXX XXXX . I agreed to have my credit reviewed. Loan officer stated I had excellent credit ( XXXX XXXX ). Within a couple hours I was solicited by another mortgage company via text, they seemed to have all my credit information. I did not authorize the second company to have my phone number, ssn or credit information, it was totally unsolicited. Their website site claims that the information came from Experian. I feel at least its a bad business practice for Experian to share all my information with the second company, how do I know what they are going to do with it or are they going to keep it secure. At worst I think its a violation of the Fair Credit Act.

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 2024-09-10 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX - Balance {$390.00} AXXXX XXXX XXXX XXXX XXXX - Balance {$1200.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$370.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$220.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$5800.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CITIBANK, N.A.
State: ID

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX charged our XXXX XXXX XXXX XXXX for {$59.00}XXXX XXXX must have had our credit card on file and were charging a subscription fee. Problem was we didn't know they made the charge and we hadn't done any other business with Citibank since XXXX. The first I knew about this charge is when Citibank sent me emails saying a payment was past due. I thought I had cancelled my card with Citibank years before, so I thought the emails were scams. After a couple of emails, I looked into it and found the charge from XXXX plus interest and charges {$41.00}. 
We called Citibank, told them the XXXX  charge was not authorized by us and we agreed to get XXXX to remove their charge. Citibank told us if XXXX removed their charge, they would refund fees and interest. So, for XXXX to refund, we had to have a statement from Citibank showing their charge, which we received and sent a copy to XXXX and they refunded the {$59.00} and we receivedanother statement from Citibank showing XXXX balance. A month later we get another billing from Citibank showing fees and interest owed. We've called Citibank and no one knows anything about the agreement to refund us the fees and interest. They want to pay, it doesn't seem right. It's not a big amount of money, but I couldn't let it go without complaining, about them not attempting to make this right but also about their horrible phone messaging system, making it almost impossible to talk to a rep, and getting tossed around from one person to another and have to explain the whole problem 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 monetary relief
Consumer complaint received 2024-09-11 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: TN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-10 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: SC

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED, AND THE SUPPORTING DOCUMENTS, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: SC

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED, AND THE SUPPORTING DOCUMENTS, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS.

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 2024-09-11 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: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect account status, incorrect monthly payments, incorrect date of last payment, incorrect account type, incorrect date last active. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Re : Final Notice of Noncompliance Unauthorized Consumer Reporting, Willful Neglect, and Demand for Removal of Inaccurate Tradeline Information To Whom It May Concern : This notice is concerning the ongoing matter of your company 's willful neglect and continued noncompliance regarding the unauthorized and inaccurate reporting of my private source data to consumer reporting agencies. Despite repeated notifications and opportunities to rectify this situation, your company has failed to remedy the inaccuracy and incompleteness of the information in question. Further, your actions lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), resulting in significant and continuous harm, including defamation, breach of privacy, and financial injury. 

To date, all administrative remedies have been exhausted, and your company 's failure to respond appropriately leaves me with no option but to pursue alternative measures. 

Accordingly, if the inaccurate tradeline and unauthorized information are not promptly removed from my consumer report within XXXX ( XXXX ) days from the date of this notice, I will proceed as follows : Filing of IRS Form XXXX : I will initiate the process of filing a Form XXXX with the Internal Revenue Service ( IRS XXXX XXXX requesting XXXX discharge of any alleged debt related to the unauthorized tradeline reporting, as such debt, if any, is invalid and has caused me undue harm. 

IRS XXXX XXXX : I will also submit a demand for an audit of the relevant account to the IRS to determine the legitimacy of your company 's actions and compliance with federal regulations concerning the handling of consumer data and permissible reporting practices. 

Filing of IRS Form XXXX : A formal IRS Form XXXX ( Information Referral ) will be submitted, highlighting potential tax law violations by your company in relation to the unauthorized use and dissemination of private source data without a permissible purpose, unjustly enriching your company at my expense. This filing will include an attached fee schedule for each documented violation. 

I remain prepared to take all necessary steps to protect my rights, including pursuing legal action for damages resulting from your continued failure to comply with applicable laws. Should I not receive immediate confirmation of the removal of the inaccurate tradeline and related information, I will proceed accordingly without further notice. 

Please consider this your final opportunity to correct this issue and avoid the aforementioned actions.

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 2024-09-10 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:
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 account listed without my expressed written consent.

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 2024-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have a HYSA with Marcus Bank. I have over XXXX XXXX  of my life savings stuck in there for over a month. Im unable to use the mobile app to check on my funds and when I call to unlock the account they tell me its under review and they cant do anything. They have been telling me this for the last month with no progress. When I ask to speak to a higher up they tell me that Ill receive a call and days later I never do. I do not wish to be associated with them any more. I just want my money, Ive told them Im willing to go through whatever verification steps I need to close the account and have the funds either transferred back to my bank on file or receive a check. And they just keep saying that since the account is under review they cant do anything. I dont have the exact dates since they dont even send me an email with confirmation of anything. I first called late XXXX. Its now XXXX XXXX and Ive made XXXX progress. The last time I called they gave me a case number, which I can provide if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: NV

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NV

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: NM

Complaint narrative:
Flagstar Bank, or imposters of that bank, sent an official-looking email claiming to be the servicer of my loan and they are NOT. They are either imposters trying to get personal information for fraudulent purposes, or they are actually Flagstar Bank and very clearly misrepresenting that they are the servicer of my loan when, in fact, it is their intent to TRANSFER loan servicing to themselves! The person I talked to on the phone specifically claimed to be the servicer of my loan and claimed the loan servicing was transferred to them already. Totally false, as I contacted my home loan issuer and verified Flagstar has NO association with them!

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