vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: AL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain unauthorized credit inquiries from my credit report. I am a victim of identity theft resulting from a data breach. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized information removed from my credit file. 
Inquiries to Remove XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX 2024

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 2024-12-05 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: NY

Complaint narrative:
On XX/XX/year> I requested an investigation of my credit file because I felt the item was not being reported legally. On XX/XX/year> I received a letter stating the investigation was complete and the following items had been verified. Since Im concern about the practices of credit reporting agencies using service like XXXX & XXXX  to verify information I need you to please answer the following question : Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. As required by FCRA. 

XXXXWho did you speak with? 
XXXXWhat was the date? 
XXXXHow long was the conversation? 
XXXX.What was their position? 
XXXXWhat number did you call? 
XXXXWhat is the name of your employee that spoke directly to the creditor? 
XXXXWhat is the position of your employee that spoke to creditor? 

This inaccurate reporting has caused me SEVERE financial and emotional distress & Id like this matter resolved immediately. Please reply within XXXX  days to the above question or delete the following items. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this 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 non-monetary relief
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number XXXX XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this 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 2024-12-05 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-05 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further misuse. 
Accounts to Block and Delete 1. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXXXXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$130.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9400.00} Inquiries to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-05 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:
I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file to prevent further misuse. 
Accounts to Block and Delete XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$130.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9400.00} Inquiries to Block and Delete 1. XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-05 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$360.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2024-12-05 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: NY

Complaint narrative:
I am filing this complaint because Equifax has inaccurately reported a collection account on my credit report. The account in question is incorrect and should be DELETED from my credit report immediately. 
Despite my efforts to dispute this matter directly with Equifax under my rights outlined in the Fair Credit Reporting Act ( FCRA ), the issue has not been resolved. 
Relevant FCRA provisions : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum possible accuracy in the information they report. 
I have provided Equifax with evidence supporting my claim to investigate and remove this account from my credit report as soon as possible. This inaccurate information is unfairly damaging my credit score and causing unnecessary financial hardship. I request that the CFPB investigate this matter and ensure Equifax complies with the FCRA by removing the inaccurate collection account from my credit report immediately. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: TX

Complaint narrative:
I never signed any agreement that resulted in several hard hit inquiries on all of my credit reports. I simply wish their removal from XXXX, XXXX XXXX and XXXX accordingly. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Upon Reviewing my credit report I noticed some inquires that I did not approve anyone to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I went to XXXX XXXX to get cash back, I put the amount I needed then I swiped my card and the register person said they didnt have enough cash to give me. I was still charged and given no receipts, I contacted chime and they told me to let the charge clear then the money should go back on my account. 3 days later the charge posted, I contacted chime again to dispute the charge, they said rest assured that I will get my money back and that they just need to investigate first and that was on XXXX XXXXI went to XXXX XXXX to see if they could just refund me the money but they said Id have better chance disputing it with my bank. So today I get an email from chime stating that my dispute was denied and they couldnt give any reasons aside from the merchant didnt get back to them. I called chime and asked them to reopen the claimI even offered to reach out to XXXX XXXX and put them on a 3 way they refusedI told them Id go back to store and let them speak to a manager so they can see that I never got my fund but they refused. I filed a complaint with the XXXX and chime sent me an email that supposedly contained documents of evidences from their investigation but there was actually no attachment to the email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MSCB, Inc.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
A person pretending to be a cash app agent led me to believe that my account has been compromised, and asked to share my screen with them while they investigated the problem. All the while they had me to preform certain actions that allow them to withdraw money out of my bank using my cash app account. They had me to remove my debit card and to replace it with a number they gave me. After doing so they had me to transfer {$790.00} from my bank account, by stating that they where trying to see if it was my card that had been compromised, they me to then replace that card with my debit card and try to make a withdrawal, thats when my bank declined it stating there was not enough funds, thats when I realized I had been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
Due to a system error over the holidays I was unable to view or access my account. However I was hit with 8 over draft fees totaling over {$180.00}. Over just 4 days starting on XX/XX/year> - XX/XX/year>. 5 of the fees are- {$35.00} each while the most recent 3 were - {$8.00}. They can reduce the fees and thats all Im asking. Also when asked for assistance they tried to sell my stuff

Company response to consumer: Closed with explanation