vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: Data Mortgage Inc.
State: MD

Complaint narrative:
XXXX removed ( suppressed ) XXXX XXXX from my credit report. I paid off my mortgage loan in XX/XX/XXXX and I want it shown on my credit report. I have called and spoke with them numerous times. I was informed that they could not add it back to the report and that XXXX XXXX would need to. 

I spoke to XXXX on XX/XX/XXXX to explore why XXXX XXXX  was removed and they stated that XXXX XXXX instructed them to remove it. I was informed to contact XXXX XXXX about this and that they would have to submit information to them to have it added back on my report as a paid mortgage. I spoke to XXXX XXXX this date and after being on the phone for over an hour going back and forth with a customer service rep who told me that my credit report was accurate, the customer service rep hung up on me. I called back and spoke to XXXX who expressed understanding that I wanted XXXX XXXX to be added back to my account and that a ticket was placed to have it addressed. 

On XX/XX/XXXX I again called XXXX for follow up to see if anything changed. I was informed data mortgage did not send any updated information about having data mortgage added back to my credit report. I called data mortgage this date and was informed that a ticket would be placed on my account to have the correct document sent to transunion and that it was marked as priorty. 

On XX/XX/XXXX I again called XXXX to inquire to see if it was received. I was informed that it was not received. I called XXXX XXXX  again this date and was told that a ticket would be placed for the internal team to update my credit report manually. There are still no changes. The customer service rep from XXXX XXXXXXXX told me that the first thing that should have been done was having XXXX XXXX just update my credit report and she did not understand why that did not happen. Again, I was informed it would be marked as " urgent ''. There continues to be no changes/updates.

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

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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

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 XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( D ) ( 7 ) I kindly request that you block this negative information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, insert your accounts you want deleted here Creditor : 1. 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 2025-01-01 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: NC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX. 

I demand that the following items be deleted immediately from my credit report :

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

Complaint narrative:
Upon reviewing my consumer report I noticed ALOT of inquiries that I did not authorize nor give anyone permission to pull my credit! I do not approve of these inquiries that's listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me.

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 2025-01-01 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:
Recently, I looked at a copy of my credit report and noticed several inaccuracies in my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts to ensure accuracy. 

I am particularly concerned about the following accounts, which I request be verified as accurate : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX

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

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

XXXX  under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I called into Chase Bank to close my business account after it was restricted. They had notified me that after a 2 week hold, the account would be closed on XX/XX/XXXX. I have called every day from XX/XX/XXXX to XX/XX/XXXX to close the account. On XX/XX/XXXX, the account was " closed '' and I confirmed this over the phone. On XX/XX/XXXX the account was " reopened '' and the funds were redeposited in the account by the bank. On XX/XX/XXXX I called and there is no one to escalate the issue to.

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

Complaint narrative:
Upon checking my report, I noticed incorrect information. I have never gave anyone consent to pull my credit. I'm currently working on my credit and have no need to get any new cards or loans at this time. Im not sure why this false information is on my report. This is in violating of my rights as a consumer.

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 2025-01-01 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: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find the following attached : FTC complaint, ID, XXXX report showing my information has been exposed in a national data breach and a validation of debt letter.

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 2025-01-01 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: PA

Complaint narrative:
I do not recognize the inquiries on the report & I didn't authorize them. I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: DISCOVER BANK
State: SC

Complaint narrative:
I received an email to inform me of my new Discover card was to arrive. When it arrived, I thought it was odd because my expiration date wasn't until XX/XX/year> and the new card had all the same info. While viewing my card, I noticed the name XXXX XXXX on the card. I called and was told that this person was added as an authorized user and her address XXXX XXXX XXXX XXXX Apt XXXX, XXXX, CT XXXX had been added as a mailing address. I immediately had this corrected and card shut down. I also changed my user name and password and have been monitoring my account for false charges. 
I also received a report from XXXX credit monitoring showing on the above address reflected as XXXX of my addresses. They also were notified.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurate information on my credit report. Despite several attempts to dispute these inaccuracies they still remain on my credit report Inaccurate addresses are also displayed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX dates of my account be low or no funds to pay out that I had in bank at the time when they said there wasn't funds charging me fees

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 2025-01-01 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2025-01-01 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX CO on XX/XX/XXXX under the account number XXXX, an auto loan account opened at I XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unreported Rental Payments by TransUnion Dear CFPB Team, I am writing to formally submit a complaint against TransUnion regarding their failure to update and report my on-time rental payments for XX/XX/XXXX and XX/XX/XXXX. This action, or lack thereof, is a violation of the Fair Credit Reporting Act, specifically 15 USC 1681.

Under 15 USC 1681, consumer reporting agencies like TransUnion are required to maintain accurate and up-to-date information regarding a consumer 's credit history. The failure to report my on-time rental payments undermines my creditworthiness and may adversely affect my XXXX XXXX. 

I have attached screenshots of my rental payment records for the aforementioned months, which clearly show that these payments were made in a timely manner. These documents serve as evidence that XXXX reporting is inaccurate and does not reflect my responsible payment history. 

I kindly request that the CFPB investigate this matter and take appropriate action against TransUnion to ensure that they rectify this issue by updating my rental payment information in accordance with federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2025-01-01 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: FL

Complaint narrative:
I SENT NOTICE TO COMPANY ABOUT A DISPUTE WITH 3 COMPANIES REPORTING COLLECTION AND CALLING MY PHONE ABOUT A DEBT THAT SHOULD BE REMOVE FROM MY CREDIT REPORT AFTER INTIAL COMMUNICATION OF REPORT WAS REQUESTED INVESTIGATION FOR VALIDITY OF OBLIGATION. I NEVER RECIEVED INFORMATION REQUESTED OR ANY RESPONSE AT ALL WHICH IS VIOLATION OF SEVERAL CODES IN THE FAIR DEBT COLLECTION PRACTICE ACT INCLUDING 1692C, F, G, H OF THIS ACT

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 2025-01-01 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 SENT NOTICE TO COMPANY ABOUT A DISPUTE WITH 3 COMPANIES REPORTING COLLECTION AND CALLING MY PHONE ABOUT A DEBT THAT SHOULD BE REMOVE FROM MY CREDIT REPORT AFTER INTIAL COMMUNICATION OF REPORT WAS REQUESTED INVESTIGATION FOR VALIDITY OF OBLIGATION. I NEVER RECIEVED INFORMATION REQUESTED OR ANY RESPONSE AT ALL WHICH IS VIOLATION OF SEVERAL CODES IN THE FAIR DEBT COLLECTION PRACTICE ACT INCLUDING 1692C, F, G, H OF THIS ACT

Company response to consumer: Closed with explanation