vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-03-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm frustrated, dissatisfied, and concerned about the situation with my credit report. Despite consistently making on-time payments, there are late payment remarks on some of my accounts. I haven't accrued any late fees, and I urgently need your help to resolve this matter. Please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed. 

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the Equifax data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed.

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the XXXX data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.

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 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Progressive insurance sent an outstanding bill to collections. this was done in error as we had XXXX XXXX  policy cancel and another begin and they did not cancel the policy so there was a balance. We were never made aware of this. They acknowledge this and backdated the policy and even gave us a refund plus extra money. They said to call the collection agency and show them documentation and they could update the credit report. We call the collection agency to complain because they too never notified us ( most likely cause progressive admitted to giving the wrong contact info ) and sent it to credit report. XXXX fixed their end and said work with XXXX XXXX XXXX to fix the credit report. To date no fix to our credit report has been done. I asked how they reached out they said they called but did not provide a valid phone number to me. Just want credit fixed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts

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 2024-03-29 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Back in XXXX of XXXX, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX, XXXX XXXX XXXX and AMEX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of XXXX, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Please refer to CFPB Complaint XXXX. I received a letter telling me only that they confirm money was received by recipient only days after it was sent to XXXX. This is not true. I have asked at least XXXX times to provide proof, including the XXXX that the XXXX XXXX says they need to track the payment and not XXXX time, after multitude of calls have I received any PROOF the money was received. The office of the XXXX at XXXX called me multiple times to say the wire department was working on it and eventually I got a closed complaint letter XX/XX/XXXX saying they did everything right and if I want more info to call them. I called them that day and was on hold for XXXX minutes and hung up. I called the person responsible for handling my complaint- Raza at the number she provided me-and after someone tried to transfer me I was on hold another XXXX minutes- I hung up after that. I am furious at this treatment. I want PROOF that the money was received in XXXX I have involved multiple people in XXXX and the manager confirms that it is not anywhere in the federal bank system as being received. A note, other bank sent over $ XXXX ( was purchasing a home for my mother in law that lives there ) to the same account with XXXX issues. I want useful documentation from Wells Fargo that the money arrived in the recipients account, so that XXXX can track it. Or I want the refund of {$1200.00} plus wire fee.

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 2024-03-29 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: TX

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-03-29 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: TX

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 this company is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Transunion permission to furnish these accounts at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION Report # XXXX XXXX XXXX XXXX, is listing XXXX Account ( s ) with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
All accounts listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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 2024-03-29 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: OH

Complaint narrative:
This is a company seeking money from me we never agreed in no such contract there are sharing my personal information on different platforms without my consent. Told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the uniform commercial code you must be the holder and due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument I will gladly pay the ( x amount ) Also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows whos the recipient of said funds are and whos the issuer of said funds are. To my knowledge I am the issuer of said funds. If this company can not provide this information its identity theft and must be move off my credit report immediately and the cost of the violation XXXX dollars per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, all of these companies are recommended to provide documentation or immediately remove for my 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
Consumer complaint received 2024-03-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a company seeking money from me we never agreed in no such contract there are sharing my personal information on different platforms without my consent. Told the company that I will conditionally expect your offer upon proof of claim that if you can provide the original charging instrument for this account. Pursuant to the uniform commercial code you must be the holder and due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument I will gladly pay the ( x amount ) Also I conditionally expect your offer upon proof of claim if you provide the XXXX OID that shows whos the recipient of said funds are and whos the issuer of said funds are. To my knowledge I am the issuer of said funds. If this company can not provide this information its identity theft and must be move off my credit report immediately and the cost of the violation XXXX dollars per violation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, all of these companies are recommended to provide documentation or immediately remove for my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS NOT A REQUEST FOR DEBT VALIDATION OR VERIFICATION In accordance with the Fair Credit Reporting act, the Account MRV/REVVI, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 This is a billing error that needs to be corrected in accordance to 15 U.S.C 1666B which states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

In accordance to the above Laws the late payment showing for XXXX 2024XX/XX/year> is a violation of my consumer rights. This is my second attempt to have this corrected and I am collecting each response showing willful non compliance and if this isnt corrected I will seek litigation damages up to $ XXXX each violation. Its also causing defamation of character to my public appearance Equifaxs response on XX/XX/year> was insufficient and willful violation of my consumer rights. THEY VALIDATED the debt and ignored the underlying issue of violating my consumer rights. 

By reporting this billing error They are also in violation of 15 USC 1681eb for maximum accuracy And 15 USC 1681s-2a1a for willfully reporting inaccurate information!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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