vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Urgent Request for Resolution Regarding Unauthorized Credit Card Reporting Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the continued reporting of a credit card account in my name by XXXX XXXX XXXX XXXX XXXX despite my repeated requests for its removal. 

Earlier this year in XXXX specifically, I mailed in an authorization notice, called, and even sent written communication requesting that this credit card be removed from my account ( See attached Request form from Back then ). I was assured by your representative that the credit reporting associated with this card would no longer reflect on my credit score. Unfortunately, despite these assurances, the issue has not been resolved. 

Recently, while applying for a loan, I discovered that this erroneous credit card is still being reported, which has adversely affected my credit score. This situation is not only causing unnecessary stress but is also damaging my financial standing. 

It is clear to me that the systems in place at XXXX XXXX XXXX XXXX are failing to address this matter appropriately. As a result, I am escalating this issue through the Consumer Financial Protection Bureau ( CFPB ) to ensure that it receives the attention it deserves. 

I demand immediate action to correct this error and to remove any adverse information related to this unauthorized credit card from my credit report. Please provide me with written confirmation that this matter has been fully resolved and that my credit score will not be negatively impacted by this issue in the future. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Urgent Request for Resolution Regarding Unauthorized Credit Card Reporting Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the continued reporting of a credit card account in my name by XXXX XXXX XXXX XXXX XXXX despite my repeated requests for its removal. 

Earlier this year in XXXX specifically, I mailed in an authorization notice, called, and even sent written communication requesting that this credit card be removed from my account ( See attached Request form from Back then ). I was assured by your representative that the credit reporting associated with this card would no longer reflect on my XXXX XXXX. Unfortunately, despite these assurances, the issue has not been resolved.

Recently, while applying for a loan, I discovered that this erroneous credit card is still being reported, which has adversely affected my credit score. This situation is not only causing unnecessary stress but is also damaging my financial standing. 

It is clear to me that the systems in place at XXXX XXXX XXXX XXXX are failing to address this matter appropriately. As a result, I am escalating this issue through the Consumer Financial Protection Bureau ( CFPB ) to ensure that it receives the attention it deserves. 

I demand immediate action to correct this error and to remove any adverse information related to this unauthorized credit card from my credit report. Please provide me with written confirmation that this matter has been fully resolved and that my credit score will not be negatively impacted by this issue in the future. 

Thank you for your prompt attention to this critical matter. 

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 explanation
Consumer complaint received 2024-08-14 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: MD

Complaint narrative:
I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your assistance in addressing and resolving this situation swiftly and efficiently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 non-monetary relief
Consumer complaint received 2024-08-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-14 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: FL

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 2024-08-14 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: CT

Complaint narrative:
I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. 
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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to alert you about fraudulent personal information linked to my identity. Multiple accounts and transactions have been wrongly attributed to me without my knowledge or approval, causing me considerable distress. I've fallen victim to identity theft and have already reported this incident. This situation demands immediate attention, as it has negatively impacted my financial stability and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary evidence and, if required, initiate legal proceedings to protect my rights and seek appropriate compensation. Your immediate response to this critical issue is greatly appreciated.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
Dear CFPB, I am writing to formally raise a concern regarding inaccurate credit reporting by Ally Financial, which has been the subject of numerous disputes. Despite my repeated efforts to resolve this issue, the inaccurate information persists and continues to be verified incorrectly. 

Account Information : Account Name : Ally Financial Account Number : XXXX Disputed Information : Reporting of account status as repossession with an incorrect balance The account in question is consistently reported with a balance that is incorrect. This account was covered by gap insurance, which should have resulted in a XXXX balance upon settlement. Instead, the account is being reported as a repossession with an outstanding monthly balance, which is both inaccurate and misleading. 

This is also reporting with a monthly payment due of {$530.00}, which is also inaccurate considering the vehicle is charged off. 

I have previously disputed this account through the credit bureaus, but each time, it has been verified as accurate despite the evidence and documentation provided. The continual reporting of this inaccurate information is detrimental to my credit profile and financial well-being. 

I urgently request that the CFPB intervene in this matter. I demand the immediate removal of this account from my credit reports due to the persistent inaccuracies and the misleading nature of the information being reported. 
I would appreciate your prompt assistance in resolving this issue and ensuring that my credit report reflects accurate information. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I tried to transfer funds from my savings account in the amount of {$20000.00} and the transaction was automatically reversed by them. I called them and they claimed that the funds couldn't be transferred to that account since I had not previously transferred funds to that account, even though the account at XXXX XXXX bank is an account managed by me as majority owner in the business for that account. They insisted that I couldn't transfer these funds because Marcus policy wouldn't allow it and that I could only transfer to the primary used checking account. This critically affected my ability to make business payments and is holding my money hostage for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-14 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXXXXXX XXXX XXXX  Account Number # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX XXXX ) XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX ) Account # XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account : # XXXX XXXX ) XXXX XXXX Account : # XXXX XXXX ) XXXX XXXX  Account : XXXX All the account that i listed above has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2024-08-14 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting companies to provide me the Internal records of their reportings of these accounts thats being furnished on my credit report. These inaccurate accounts has caused me Great financial XXXX. I have been denied for loans, credit and refinancing of my home. I would great appreciate if someone can provide me the information thats needing to show that these accounts are accurate. 
Thank you.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting companies to provide me the Internal records of their reportings of these accounts thats being furnished on my credit report. These inaccurate accounts has caused me Great financial XXXX. I have been denied for loans, credit and refinancing of my home. I would great appreciate if someone can provide me the information thats needing to show that these accounts are accurate. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: ME

Complaint narrative:
Dear CFPB, I am writing to seek your assistance with an ongoing issue involving XXXX XXXX XXXX. Despite numerous attempts to resolve this matter through dispute processes, the inaccuracies persist and are affecting my credit profile adversely. 

Account Information : Account Name : XXXX XXXX XXXX Disputed Information : XXXX and sale of vehicle, missing Right to Redeem, XXXX, and Notice of Deficiency XXXX XXXX XXXX XXXX and auctioned off my vehicle but failed to provide me with the following essential documents : Right to Redeem : I did not receive a notice or any opportunity to redeem the vehicle before it was sold. 
XXXX Form : I have not been provided with a XXXX form, which is required for reporting canceled debt. 
Notice of Deficiency : I did not receive any notice of deficiency that details any remaining balance or deficiency after the auction sale. 
I have disputed this account on multiple occasions with the credit bureaus, yet the inaccurate information continues to appear on my credit report. This lack of proper documentation and notification constitutes a violation of my rights and is being inaccurately reported on my credit profile. 

I urgently request the CFPBs intervention to rectify this situation. I demand the immediate removal of this account from my credit reports due to the absence of proper documentation and the failure to follow legal requirements regarding repossession and debt collection. 

Your prompt assistance in addressing this issue and ensuring that my credit report is corrected is greatly appreciated. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I combated LVNV finding via online portal and to no avail. They are fraudulently trying to collect on a debt that was a result of IDENTITY THEFT and the original creditor was made a aware of this before and the minute I told them they sold it over to another agency and then told me they no XXXX  no own anything to do anything. Then I turn around and LVNV finding has this same fraudulent account that has been already previously documents FRAUD on my credit report. I am in the military and never authorized nor opened any account with this company and never signed any contacted with LVNV nor the original creditor who already knew this was fraud. I dont even live at the address listed on the account. At this point if this is not removed from my credit report and out of their system I will contact my military leads for an attorney and sue this LVNV company for knowingly tryi n to collect ona. Fraudulent account. Two identity thefts reports were filed in XXXX XXXX and XXXX when I came back from XXXX and somehow this company still ended up placing one of the fraudulent accounts on my credit report when all other banks ceased and desist knowing they were FRAUD.

Company response to consumer: Closed with explanation