vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-29 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: FL

Complaint narrative:
Upon reviewing my consumers report I noticed that there were multiple accounts listed that didn't belong to me. I have never had any dealings with these companies. 

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 XXXXXX/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 2024-10-29 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: FL

Complaint narrative:
Upon reviewing my consumers report I noticed that there were multiple accounts listed that didn't belong to me. I have never had any dealings with these companies. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: KY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Late Payment Information # XXXX Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report by, XXXX XXXX XXXX  that appears on my credit file. 

The details of the accounts in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX Despite my attempts to resolve this issue directly with the creditors mentioned, I have not received any response from them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information ( Section 611 ). I request that you investigate the incorrect information reported and correct or remove it from my credit report.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( in this case, XXXX XXXX XXXX ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate.

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA.

I am enclosing the following documents to support my dispute : 1. A copy of my credit report with the disputed items highlighted. 

I would appreciate a prompt and effective resolution, as is my right to an accurate credit report under the FCRA. I look forward to receiving an updated copy of my report once the investigation has been completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXXXXXX 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 2024-10-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 
1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, 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 2024-10-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, 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 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit 's automatic relief group, specifically addressing my case with XXXX XXXX XXXX through the CFPB. I reached out to XXXX  to request the school misconduct form, but they informed me that I wouldn't qualify since my loans are federal. However, given the circumstances of the XXXXXXXX XXXX XXXXXXXX lawsuit, I believe I should be eligible for a refund. I have paid over {$10000.00} to XXXX, and if these loans were federally funded, then XXXX  should issue a refund for the amounts Ive paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-29 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-10-29 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: FL

Complaint narrative:
I noticed XXXX unauthorized inquiries on my report XX/XX/year> XX/XX/year> According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified unauthorized items MUST be removed!!!! 
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 2024-10-29 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My property tax bill is due XXXX and my mortgage company has not paid it yet. It is due in XXXX  days. I called them and asked them to pay it, and would not. They said they will pay it some time in the future before it is technically delinquent. I do not want to risk fees, liens, or extra interest charges. If the property tax bill is due XXXX, it should be paid on or BEFORE this date. This is a reasonable request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
Called today, XX/XX/year>, and XXXX # XXXX and XXXX # XXXX refused to provide me with a XXXX or the correct XXXX for tax reporting. 

The account is showing as " charged off '' on the credit bureaus which means a write off to XXXX and reportable income to me. They have not provided me with a XXXX showing the account was actually charged off. Therefore, there is incorrect reporting to the credit bureaus. 

The application was a collateral security in the amount of {$5100.00}. They brought the application to the Fed window and got paid. Each and every month they sold the statements as securities and got paid from the sale of them plus they got paid by collecting monthly money from me. 

They closed my account without my consent. 

They are in possession of contraband - ie my securities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
on XX/XX/XXXX i got scammed out of {$310.00} by a merchant known as XXXX XXXX XXXX  on cash app i dispute with cash app and its taking them a while to give me my refund. i brought a virtual item off XXXX  for {$310.00} and i never received the item as it was taken off my account and the merchant couldnt give me a refund saying its not their problem. im currently trying to dispute it with cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: KY

Complaint narrative:
XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX Subject : Dispute of Late Payment Information # XXXX Dear Sir/Madam, I am writing to dispute inaccurate information reported on my credit report by, XXXX XXXXXXXX that appears on my credit file. 

The details of the accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment Reported : XXXX XXXX XXXX XXXX XXXX Despite my attempts to resolve this issue directly with the creditors mentioned, I have not received any response from them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information ( Section XXXX ). I request that you investigate the incorrect information reported and correct or remove it from my credit report. 

Additionally, I would like to remind you that, under Section XXXX of the FCRA, information providers ( in this case, XXXX XXXX ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section XXXX ( a ) ( XXXX ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections XXXX and XXXX of the FCRA. 

I am enclosing the following documents to support my dispute : XXXX. A copy of my credit report with the disputed items highlighted. 



I would appreciate a prompt and effective resolution, as is my right to an accurate credit report under the FCRA. I look forward to receiving an updated copy of my report once the investigation has been completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-10-29 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-29 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:
I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX  ( XX/XX/year> ) XXXX OF XXXX ( XX/XX/year> )

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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Prior to XXXX of XXXX  my AAA Travel Card was issued by the XXXX  XXXX XXXX. There was no activity on that card for over one year and none anticipated. In putting together my complaint Im assuming that Comenity Financial took over the AAA travel credit card from XXXX  XXXX XXXX. 
I estimate that I received the Comenity AAA travel card sometime during XXXX of XXXX. I still have that card in my possession, never activated and never intended to activate it. For your reference the account number was ; XXXX XXXX XXXX XXXX. 
Comenity initially billed me in XX/XX/year> for what I guess was an annual membership fee. We didnt pay the fee because the card was never activated for use. Comenity continued to bill us monthly charging a late fee plus interest on a card never used or activated. My husband and I spoke with a representative of the Comenity Bank in early XXXX of XXXX, unfortunately I do not have the exact date. We did during this conversation expressed our disagreement with the charges that were assessed and requested that the account be canceled. We continue to receive statements on this cancelled account, each month adding fees now totaling {$200.00} due XXXX. This is unfair and believe the charges should be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MD

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief