vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. I, therefore, insist on a thorough and immediate investigation to remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXXBalance Owed : {$590.00} XXXX XXXX XXXX  Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$4100.00} XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$960.00} XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. I, therefore, insist on a thorough and immediate investigation to remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXXBalance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$4100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-07-30 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
In the glove box when the car was repossessed, my fianc engagement ring was in there I spoke to the towing place they said they didnt touch anything so I paid {$4000.00} for this ring an yet Im out of a ring an money. Also the dates on this report are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these ACCOUNTS : Public Record : XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX  Date Reported : XX/XX/XXXX Current Status : Closed Public Record : DPT ED/XXXX  Account number : XXXX Date Filed : XX/XX/XXXX Creditor : DPT ED/XXXX Date Reported : XX/XX/XXXX Current Status : Closed INQUIRY : XXXX XXXX Inquiry Date XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance : {$5800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: SC

Complaint narrative:
I am submitting this to formally dispute the inaccurate reporting of late payments on my XXXX account, XXXX. I believe this to be an error, as my account status has not changed and I have continued to make timely payments. The discrepancy between the two reports has caused significant concern and may negatively impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of the account XXXX. ( XXXX XXXX, XXXX ). I recently obtained a copy of my credit report and found several inaccuracies and instances of non-compliance with the Metro2 reporting reported. 
Account Number XXXX XXXX-Please verify for accuracy XXXX Please verify for accuracy XXXX-Please verify for accuracy XXXX-Mathematically questionable XXXXMissing field but it is required XXXX A violation because there should be no past due amount on a collection account XXXX Missing field and it's required XXXXQuestionable-There was no complete or full investigation done and how was it verified/updated XXXXmissing field and it's required Also, upon reviewing the Metro 2 compliance guidelines and CDIA reporting requirements, I have identified the following discrepancies. 
Term Frequency- ( XXXX ) -This field is missing from the report, and this must be present, or you must delete this report immediately. 
FCRA Compliance/Date of First Delinquency-XXXX-This field is missing from the report, and this must be present, or you delete this account immediately ECOA Code-XXXX-This field is missing from the report and this must be present or you must delete this report immediately. 
Also, I have another discrepancies concerning the payment history. 
The account was not opened on XX/XX/year>. If so, how could it be updated on XX/XX/year> and then it's showing 'C ' collection in 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 2024-07-30 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened my online checking account with US bank on XX/XX/XXXX. My partner ( XXXX XXXX ) performed an external transfer of {$3000.00} from her XXXX account to my US bank account on XX/XX/XXXX. On XX/XX/XXXX, US bank closed my account citing potential fraud as the concern. US bank has not returned any of my money and has not provided any instructions on steps I can take to get my money back. They are holding my money and I am getting afraid they are performing fraud and stealing customer 's money. 

Since XX/XX/XXXX, I have contacted both the remote call center support staff over 10 times. Each time I call, the call center staff say I need to go in person to talk to the branch manager. 

As a result, I have also gone in person to the XXXX XXXX branch and spoke to the branch manager ( XXXX XXXX ) over 10 times. The branch manager has said that they need to follow a " process '' to get my money back. When I ask her to expand on the process, she says that US bank 's risk team needs to wire the money back to my partner 's XXXX account. This is great, but it has been FOUR months since US bank has taken my money and they have not contacted my partner or I once. My partner has NOT received any reimbursement of the {$3000.00}. 

I have been calling the US bank manager continuously to see if there is any new updates. Every time I call and ask her questions, she tells me to " wait for US bank to follow their process ''. She is incredibly vague and unhelpful. It has been over FOUR months since US bank has taken my money and I have not heard a single update from the company. 

Please help me investigate this and get my money back. This is not okay. I need the money to be able to afford my mortgage and other expenses. US bank should not be allowed to steal their customers money. Thank you. 

Below I have attached my partner 's claim to XXXX asking if US bank has initiated any transfers back to her. In her claim it also shows the original {$3000.00} she sent to my US bank account.

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 2024-07-30 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: NC

Complaint narrative:
XX/XX/XXXX I sent certified letters 2 all 3 of the bureaus, stating that I was a victim of identity theft. I put each account down that did nor not belong to me me. XXXX XXXX XXXX in which it doesnt not belong to me. XXXX XXXX in which was opened fraudulently in my name. also, there is some personal information 2 addresses in which are associated with me, and which Ive never lived there.XXXX XXXX XXXX XXXX XXXX NJ XXXX and XXXX XXXX XXXX XXXX XXXX NJ XXXX. According to the law 605B. Its illegal to report information on my credit report without my permission. Please remove these items on 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 non-monetary relief