vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: AR

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several items that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} 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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

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 2024-03-12 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: RI

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: RI

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had ATM deposited a check on XX/XX/2024 in the amount of {$800.00}. It gets put on the normal 4 day hold, then to a 7 day hold, then to yet another 5 day " extended hold '' and here it is 14 days later and they are still holding it not letting me have access to my funds, not even giving me a date when it's going to be released

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: RI

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-03-12 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: 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-03-12 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: AZ

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 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 2024-03-12 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: KY

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-12 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: AR

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several items that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3400.00} XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX Balance : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i am reporting a fraudulent inquiries found in 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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/year> Subject : Dispute of Inaccurate Information in My Credit Report. 

Whom it may concern, I am writing to dispute the accuracy of certain information in my credit report. The details are as follows : XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Issue : Inaccuracies, Late payments I request that you conduct a thorough investigation and correct any inaccuracies promptly. Please provide me with the results of your investigation within the legally mandated time frame. If proof can't be provided, I demand it be DELETED IMMEDIALTY. Thanks! Please see screenshots attached : Enclosed, please find copies of relevant documents supporting my claim. I appreciate your attention to this matter and your commitment to ensuring accurate credit reporting. 

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 non-monetary relief
Consumer complaint received 2024-03-12 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: IL

Complaint narrative:
It has come to my attention that my credit with your organization has been compromised. I have discovered that items are not being removed from my credit report, even when accompanied by a Federal Trade Commission ( FTC ) report. This communication serves as formal notification that I have been a victim of fraudulent activity. According to the Fair Credit Reporting Act Section 605B ( a ), your organization is obligated to remove any items opened without my authorization, consent, or knowledge within four business days, provided I submit ( 1 ) valid proof of my identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement asserting that the information is not related to any transactions I have made. The items listed below are fraudulent and must be removed : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$4700.00} Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX =======EQUIFAX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00}. Should you assert that these items are accurate and verifiable, I request that you provide me with documentation bearing my signature associated with these items, as I believe such documentation does not exist. In the absence of a signed agreement from me, these items must be removed from my credit file. Enclosed with this communication is my latest FTC report, number XXXX. It has come to my notice that there might be a pattern of non-compliance with the FCRA statute in your handling of such matters. Ignoring this request may compel me to seek legal advice and action. I urge you to avoid escalating this matter into a legal dispute and to act within four business days to remove any fraudulent items from my credit file. I do not authorize the use of XXXX or any automated verification methods in this matter. Your prompt attention and response within the specified timeframe are anticipated and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: StellarFinance, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Stellar Finance , Inc. ( StellarFi ) for reporting inaccurate information to my consumer report without my permission. This action has caused significant damage to my credit and has resulted in financial harm. 

My name is XXXX, and I recently engaged with StellarFi services under the XXXX account. Despite my explicit instructions and without my consent, StellarFi reported my personal information to consumer reporting agencies, leading to inaccurate entries on my consumer report. 

This egregious violation of privacy and gross negligence on the part of StellarFi has severely damaged my credit and undermined the trust I placed in the company. I demand immediate and extreme expedited action to rectify this situation, including : Confirmation that all inaccurate information reported to consumer reporting agencies has been retracted and removed from my personal consumer report. 
Assurance that my personal information will not be shared with any affiliates or third parties without my explicit consent in the future. 
A comprehensive explanation of the protocols and safeguards in place to prevent similar privacy breaches in the future. 
Swift and tangible measures to rebuild trust and rectify the harm caused by this violation. 
Failure to comply with these demands will compel me to pursue legal action against StellarFi to seek restitution for the damages incurred. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to ensure that consumer rights are protected. I appreciate your attention to this urgent matter and look forward to a prompt resolution. 

Please acknowledge receipt of this complaint promptly and provide updates on the status of the investigation. 

Sincerely, XXXX XXXX : Evidence of StellarFi improper use of my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: AZ

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 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 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Received a letter from I.C. Systems Inc stating that I owe {$1400.00} to XXXX XXXX. I have had other debt collectors fraudulently place this debt on my credit report in the past. I have never had any account with XXXX XXXX, I have never done business with XXXX XXXX. I'm demanding that I.C. Systems Inc. Cease and desist immediately. This debt is not mine I have never done business with XXXX XXXX and I strongly believe this is fraudulent. I will take legal action against I.C. Systems Inc if they continue to pursue this alleged debt, and if they pass or sell this fraudulent debt off to another debt collector I will take legal action.

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