vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
To whom it may concern, I filed bankruptcy in XX/XX/year> and it is still showing on my credit report. I would like this removed it has been more than 10 years. I have also been paying my mortgage on time and did not reaffirm so this is not reporting either.

Please help me Resolve these issues and increase my credit score. 

Thank you, 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit reporting Agency, Equifax was notified of a dispute for an Inquiry ( XXXX XXXX ), reported to the consumer report. Equifax was notified on XX/XX/XXXX through the CFPB. Equifax has then provided a letter dated, XX/XX/XXXX advising that they could not locate a credit file in their database, but continues to furnish inaccurate information to the credit file. Equifax has requested copies of non-public ( private ) information according to The Privacy Act of 1974, such as copy of drivers license and social security card. All in which should not be provided to non-governmental entities as, Equifax. A credit report should be accessible to provide a dispute according to the FCRA for any inaccuracy to the credit report. Equifax is requesting information that is illegal of them receiving copies of non-public information in order to dispute. requesting a investigation by the CFPB in regards of this matter. The All XXXX  name also request that a reinvestigation to the dispute of removing the Inquiry that was not Authorized by me. 

Equifax violates The Privacy Act of 1974, requesting non-public information in order to dispute information in a credit file. When attempting to call Equifax to check the status of a dispute, Equifax also request for a copy of your drivers license be sent and a picture of yourself. All illegal activity, in which is not requested to access a credit file to dispute information reported to a credit file. 

Last 4 of social will be provided through the CFPB portal, Name, DOB, email, phone. All information provided is sufficient to conduct Equifax investigation. 
NO copies of social and drivers license are required to remove the inaccuracy of the XXXX XXXX, Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.

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 2024-09-10 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: IL

Complaint narrative:
my identity was stolen and im getting back on track now i have inquiries that i did not authorize, i have no knowledge of them, please dont send me a letter saying that they were verified, how can you verify fraud. 

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: GA

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing 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 2024-09-10 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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 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 Delete hard inquiries for me bc I didnt request anything from them

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Someone has stolen my identity and was able to open an account in my name and I only found out through my credit monitoring service. When I tried to call I was given limited information but was advised account was closed and a couple months later was notified that someone is still trying to use my information to open another account. 

They closed my previous complaint case and lied and said they could not reach me but I have been trying to call back for the last week and did not get a call back from XXXX. I left her two voicemails with my hours to be contacted and she never called or responded to my voicemail and she does not answer when I call. This is a lying and fraudulent company and I need to be compensated. I told her that I did not feel comfortable leaving my social on her voicemail to access the unauthorized account that was created at this bank. Someone has stolen my information and has tried to get a Chase bank account twice in my name without my consent. I have a credit monitoring service that has captured this fraudulent activity twice. I do not have account info because I did not enroll in any service with Chase, so you will need to use my social security number because the address does not match my address either which should tell you the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: IN

Complaint narrative:
I have submitted multiple documents to Experian disputing fraudulent accounts on my credit report, which were opened without my knowledge or consent. Despite this, Experian has failed to remove or block the fraudulent accounts, violating the Fair Credit Reporting Act ( FCRA ) and causing financial and reputational damage as I am unable to use my credit as desired. 

Timeline of Actions : XX/XX/year> : Submitted a packet to Experian, including : -SEC report -Request for GAAP-compliant verification of disputed accounts -Police report documenting the fraud -Proof of identity ( ID, Social Security card, utility bill ) XX/XX/year> : Experian refused to block the fraudulent accounts, citing various reasons such as an error in my request or that I knowingly benefited from the transactions. 

XX/XX/year> : Resubmitted documentation, including a formal FTC Identity Theft Report. 

XX/XX/year> : Experian refused again, claiming the police report was not valid proof, despite it including the officers name, badge number, and incident number. 
Details of Experians Violations : Failure to Comply with FCRA : Experian failed to block or remove the fraudulent accounts after all necessary documents ( police report, FTC report ) were provided. 
No GAAP Verification : Experian didnt request or provide GAAP-compliant verification, relying solely on creditor-furnished information.

Bias & Conflict of Interest : Experian prioritized creditor relationships over consumer rights, violating due process.

Documents Sent to Experian : -Police Report ( Incident # XXXX ) -FTC Identity Theft Report -Proof of Identity and Address ( ID, Social Security card, utility bill ) -Consumer Statement ( inquiries, addresses, accounts )

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 2024-09-10 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:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift 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 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I opened my credit card account in XXXX, but I fell on hard times in XXXX and notified the credit card company that I would not be able to make payments until I was back on my feet. In XX/XX/XXXX, my balance was approximately {$700.00}. However, I believe my first missed payment occurred in XX/XX/XXXX, and I was charged late fees and interest from that point through XXXX XXXX total of 11 months. 

As a result of these fees and interest, my new balance ballooned to {$1100.00}. My XX/XX/XXXX bill listed a past due balance of {$420.00}, with an additional {$72.00} in late fees and interest for that month, bringing the total to {$1100.00}. 

This account has now been sent to a creditor, and I am making monthly payments. However, I was under the impression that there is a cap on how much credit card companies can charge in late fees and interest annually. These charges have severely impacted my credit, making it difficult for me to refinance my home, and have also caused an increase in my insurance costs. 

I am seeking assistance in reviewing the charges and determining if they are in compliance with the law. 

Thank you for your time and consideration.

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 2024-09-10 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-09-10 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
XX/XX/year> there was a fraudulent check deposited in my account without me knowing I contacted the bank and said this was not me XX/XX/year> Santander account was closed Present day I can not open up any account due to the falsely accused fraud on my consumer report as well as my XXXX XXXX account.

I contacted Santander Bank and got the situation resolved but its still reporting on my consumer report preventing me from using any banking institution

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 2024-09-10 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-09-10 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation