vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am experiencing issues with incorrect information being reported to the credit bureaus. Despite my attempts to resolve the problem, the credit bureau has not taken any action to correct it, and it has now been more than 30 days. 

I have attached the documentation showing the inaccuracies. The records display different open dates and active statuses, with some accounts marked as open and others listed as closed. 

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am experiencing issues with incorrect information being reported to the credit bureaus. Despite my attempts to resolve the problem, the credit bureau has not taken any action to correct it, and it has now been more than 30 days. 

I have attached the documentation showing the inaccuracies. The records display different open dates and active statuses, with some accounts marked as open and others listed as closed. 

XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AZ

Complaint narrative:
I have requested multiple times for XXXX, XXXX and Experian to remove my two Bankruptcy records from my reports. XXXX removed one, however, XXXX and XXXX both claim it is public records. I have a letter from the Bankruptcy court that they did NOT in report to the agencies, which means they received the information from a third party. I have opted out many times from XXXX, so I do not know where they have gotten the information. I never gave anyone permission to report this information.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MT

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted XXXX, TRANSUNION, AND XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX, TRANSUNION, AND XXXX a certified letter via usps to validate these accounts as asking to send original documents and a host of other things. The accounts that do not belong to me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any of the documents I requested. I have an account on my credit reports that does not belong to me. I asked to remove XXXX, TRANSUNION, AND XXXX the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing these accounts from all three credit bureaus ( transunion, XXXXXXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. These fraudulent accounts is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX, TRANSUNION, AND XXXX and the collection agencies could not provide that information. E-Oscar is not debt validation! I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe! You can not because this is not my debt nor do I owe anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEEED ORGINALS WITH MY SIGNATURE FROM THESE ACCOUNTS ABOVE.

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 2025-01-03 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: OH

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted XXXX, XXXX, AND EXPERIAN on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX, XXXX, AND EXPERIAN a certified letter via XXXX to validate these accounts as asking to send original documents and a host of other things. The accounts that do not belong to me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any of the documents I requested. I have an account on my credit reports that does not belong to me. I asked to remove XXXX, XXXX, AND EXPERIAN the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing these accounts from all three credit bureaus ( XXXX, experian, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. These fraudulent accounts is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX, XXXX, AND EXPERIAN and the collection agencies could not provide that information. E-Oscar is not debt validation! I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe! You can not because this is not my debt nor do I owe anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEEED ORGINALS WITH MY SIGNATURE FROM THESE ACCOUNTS ABOVE.

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 2025-01-03 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: IL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I cancelled service after 6months. I have since moved and would like a refund from the class action law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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 writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-01-06 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 writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Lexington Law in XXXX until XXXX and they basically took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion.

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 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
{$1200.00} I have in my Venmo account. I was attempting to add more more and my card was not working called the bank it was not a bank issue. A rep from Venmo told me to add another card and to keep trying. Well I kept trying and it suspended my account. I submitted my ID for verification I explained to them I can not wait 3-5 days to pay my rent due to a customer service rep giving misleading instructions. I was told my issue would be escalated but not Ive called several times each rep was rude and dismissive. Keep saying its nothing they can do. At this point I want my account unlocked so that I can remove my money an never use this service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I paid loan off now getting calls I still owe money on loan. I asked for verification letter and have not received anything. I see in my credit report XX/XX/XXXXand now ok but it says I still owe

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid loan off now getting calls I still owe money on loan. I asked for verification letter and have not received anything. I see in my credit report XXXX  and now ok but it says I still owe

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 2025-01-03 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date of Birth : XX/XX/XXXX Last 4 SSN : XXXX Equifax Consumer Services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Equifax Customer Service, Subject : Request for Removal of Negative Accounts Due to Equifax Data Breach I am writing to formally request the removal of any negative accounts that may have been impacted by the Equifax data breach that occurred between XXXX and XX/XX/XXXX. As you are aware, this breach compromised the personal data of millions of consumers, and I believe that some of my negative accounts may have resulted from fraudulent activity due to this breach. 



In light of the breach and the potential for identity theft, I am requesting that any negative or inaccurate accounts be removed from my credit report. This includes any accounts that were opened fraudulently or affected by identity theft due to the data breach. I would appreciate your immediate attention to investigate this matter thoroughly and ensure the correction of my credit report. 



Please find attached a copy of my credit report, along with documentation of my identity theft or fraud alert, and any other supporting materials to assist in the investigation. I am also requesting confirmation in writing once these negative accounts have been removed or corrected. 



Additionally, I would appreciate information about the steps Equifax is taking to support consumers whose data may have been compromised and the measures that can be taken to prevent further issues. 



Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this issue and the restoration of my credit standing. 



Sincerely, XXXX XXXX XXXX XXXX Attachments : Copy of Driver licence ID And SSN Card Identity Theft/Fraud Alert Documentation This letter is both polite and direct, addressing the issue of fraudulent accounts that may have resulted from the data breach and requesting their removal. Let me know if youd like to make any adjustments! 



My information has been exposed with the Equifax data breach, please remove all the negative items in my credit report. I was unaware of those accounts listed below. 

1- THE BUREAUS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Opened a savings account with XXXX, a XXXX subsidiary of Santander Bank, on XX/XX/year>. Transferred money into this account on XX/XX/year> from XXXX XXXX, a subsidiary of XXXX, which posted on my XXXX savings account on XX/XX/year>. 

On XX/XX/year> the money in my XXXX savings account became available for me to move. Placed three requests to transfer money back to XXXX XXXX  on XX/XX/year>, XX/XX/year> and XX/XX/year>. All three requests were cancelled by XXXX without notifying me. 

Contacted a representative at XXXX on each occasion that I recognized that the transfer of funds was cancelled. Was initially told that they could not tell me the reason why it was cancelled but suggested I put in a second transfer request. 

Did so and it too was cancelled. Spoke with a different XXXX rep who stated that there was a " block '' put on my account but could not explain why. This rep indicated that he was removing the " block '' and to submit a third transfer request. 

Submitted a third request and again it was cancelled. Spoke with a third XXXX rep who said that the reason for the cancellation was that I submitted the third request too soon after the " block '' was removed. And this rep indicated he did not know why the block was placed on my account in the first place either. 
Requested to speak with his manager / supervisor to get a better understanding about this " block. '' Was told he could not connect me directly with one but would put in a request that would take two to three business days before receiving a call back from a manager. I the meantime he suggested that I submit a fourth transfer request to see if it would process. 

This is not how a bank is supposed to function where money transfers are cancelled without explanation, other than to retry and cross your fingers.

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 2025-01-03 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: EQUIFAX, INC.
State: UT

Complaint narrative:
PLEASE HAVE THESE INQUIRY REMOVED FROM MY CREDIT REPORT AS SOON A POSSIBLE NONE OF THESE BELONG TO ME I NEVER APPLIED TO ANY OF THESE ACCOUNTS I ALSO REACHED OUT TO SEE IF THE COMPANY HAD ANY ACCOUNTS OPEN WITH MY NAME AND SSN THEY ALL TOLD ME NO THEY DIDNT HAVE ANY INFORMATION ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief