vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: NJ

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX 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 2024-09-20 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: RI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2024-09-20 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 2024-09-20 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: FL

Complaint narrative:
I do not recogized these credit inquires and I ask for them to be removed but the credit agencies did not do as I ask. Im providing an identity thief report which I will attach. I ask that these inquires be removed because they are inaccurate and not mine

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 2024-09-20 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: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO 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 2024-09-20 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: GA

Complaint narrative:
XXXX AND TRANSUNION IS VIOLATIONING USC1681N THESE BANKRUPTCIES HAS BEEN DELETED BY XXXX ACCORDANCE TO IS USC 1681n ( 1 AB. 2, 3b ) CIVIL LIABILITY FOR WILLFUL NON-COMPLIANCE TRANSUNION XXXX XXXX IS NON-COMPUANCE AND NEGLIGENCE CONCERNING TO PUBLIC BANKRUPTCIES XXXX, XXXX THESE PUBLIC BANKRUPTCY WAS DELETED XXXX XXXX WHICH THEY OBEYED THE LAW AND WAS REMOVED FROM XXXX XXXX 'S OF HOUSING AND REPORTING MY PUBLIC, 'PRMATE INFORMATION PER USC 6802 USC 6802 ALSO I HAVE PLACE A FREEZE ON XXXX XXXX ALSO I HAVE FILE COURT DOCUMENTS TO SUE XXXX XXXX 'S FOR THEIR MIS USING OF MY DATA WITHOUT MY CONSENT AND I HAVE PROVIDED PROOF I NEED THESE PUBLIC RECORDS TO BE DELETED IMMEDIATELY FROM TRANSUNION & XXXX I JUST DONT UNDERSTAND WHY IS XXXX SO HARD TO ABIDE BY THE LAW ALSO STOP VIOLATING THE GRAMM LEACH BLILEY ACT IF THIS ISNT DELETED I WILL MOVE TO LITIGATION SEEM LIKE U GUYS WILL DO ANY FOR MONEY HOW DO YALL SLEEP AT NIGHT THS IS MY 3RD ATTEMPT 1M JUST ADDING UP THE PROOF TO SUE XXXX & XXXX THIS IS A XXXX ACT VIOLATION.

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 2024-09-20 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: NJ

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
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 2024-09-20 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: GA

Complaint narrative:
EXPERIAN AND XXXX IS VIOLATIONING USC1681N THESE BANKRUPTCIES HAS BEEN DELETED BY XXXX ACCORDANCE TO IS USC 1681n ( 1 AB. 2, 3b ) CIVIL LIABILITY FOR WILLFUL NON-COMPLIANCE XXXX XXXX EXPERIAN IS NON-COMPUANCE AND NEGLIGENCE CONCERNING TO PUBLIC BANKRUPTCIES XXXX, XXXX THESE PUBLIC BANKRUPTCY WAS DELETED FROM XXXX WHICH THEY OBEYED THE LAW AND WAS REMOVED FROM XXXX XXXX 'S OF HOUSING AND REPORTING MY PUBLIC, 'PRMATE INFORMATION PER USC 6802 USC 6802 ALSO I HAVE PLACE A FREEZE ON XXXX XXXX ALSO I HAVE FILE COURT DOCUMENTS TO SUE XXXX XXXX 'S FOR THEIR MIS USING OF MY DATA WITHOUT MY CONSENT AND I HAVE PROVIDED PROOF I NEED THESE PUBLIC RECORDS TO BE DELETED IMMEDIATELY FROM XXXX & EXPERIAN I JUST DONT UNDERSTAND WHY IS XXXX SO HARD TO ABIDE BY THE LAW ALSO STOP VIOLATING THE GRAMM LEACH BLILEY ACT IF THIS ISNT DELETED I WILL MOVE TO LITIGATION SEEM LIKE U GUYS WILL DO ANY FOR MONEY HOW DO YALL SLEEP AT NIGHT THS IS MY 3RD ATTEMPT 1M JUST ADDING UP THE PROOF TO SUE EXPERIAN & XXXX THIS IS A XXXX ACT VIOLATION.

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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C XXXX effective immediately and indefinitely. AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: PA

Complaint narrative:
Please see attached complaint. Proper identification and relevant information pertaining to my dispute pursuant to the FCRA is attached as well.

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 2024-09-20 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:
I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Account name : XXXX XXXX XXXX Account Number : XXXX Account type : Time Share Dates of Late Payment : XXXX XXXX, XXXX XXXX On XX/XX/2024, I submitted a dispute to Experian disputing a XXXX payment reported by XXXXXXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Experian has to remove those late payments from me because it has no evidence that indicates those late payments and it also has errors and inaccuracies. In addition, the only bureau that is reporting me negatively is Experian and by law they must remove it from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending 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 explanation
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-09-20 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; 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 2024-09-20 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: U.S. BANCORP
State: IL

Complaint narrative:
Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank 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 2024-09-20 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: FL

Complaint narrative:
My identity was stolen from me and I haven't been able to figure out who's responsible for my credit report. I am asking that my complaint be taken into consideration immediately. This is fraudulent activities and these accounts and inquires that's reporting on my credit need to be removed. Please review the attached documents below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union Debt Cancellation Department XXXX XXXX XXXX XXXXXXXX, VA XXXX Request for 1099-C Form for Charged-Off Account [ Account Number : XXXX ] ** Dear Sir/Madam, I am writing to formally request a copy of the 1099-C form associated with the cancellation of debt on my closed credit card account [ Account Number : XXXX ]. This account was charged off with a balance of {$12000.00} and written off as of XX/XX/XXXX, according to my credit report. 

The information is required for my tax reporting purposes, as the debt cancellation might have tax implications for the current year. Please send the 1099-C form to the address provided above. 

For your reference, my account details are as follows : - **Account Number** : XXXX - **Account Holder Name** : XXXX XXXX - **Balance Charged Off** : {$12000.00} - **Last Payment Date** : XX/XX/XXXX - **Date of Charge-Off** : XX/XX/XXXX If you need any additional information to process this request, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your attention to this matter. I look forward to receiving the requested form. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
this letters complaint to fixed and delete inaccurate and misleading accounts XXXXXXXX XXXX **** Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX Balance Owed : {$0.00} -tied up XXXX XXXX Balance Owed : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: NM

Complaint narrative:
I got a XXXX  membership in XXXX of XXXX and stopped going the same year. I continued to get charged for the membership until XXXX when my debit card expired. I further recieved an email in XXXX of XXXX saying my account was going to be sent to collections to which I called the XXXX. They notified me that I was behind 3 months and owed around {$230.00} because of late fees. I explained my situation to the manager as I had not been to the XXXX in 3 years. They waved the late fees and I paid a total of around {$150.00} and some change for the 3 months I was behind as well as I cancelled the membership, this again took place in XXXX of XXXX. I continued to follow-up with the XXXX  via phone as I sent a cancelation letter via USPS until they recieved the letter. They further let me know the letter was recieved and my membership was cancelled and I would not continue to get charged for it. I further recieved an email in XXXX of XXXX stating I missed a payment. I called the XXXX  and the 3rd party billing company ( XXXX XXXX XXXX ) which the XXXX  notified me that my membership was cancelled and I did not have a balance and this may be a glitch as the email also did not show a balance and rather a cancelation date. The billing companies automated system also stated I owed {$0.00}. 

In XXXX of XXXX my credit dropped around XXXX points to which it showed I had an account in collections. I called the collections company, First Credit Services, that stated the debt was from XXXX XXXX XXXX. I further called the XXXX  which were able to send me documents ( that I didn't recieve prior ) showing my cancelation date being XXXX of XXXX as well as the cancelation letter I sent via USPS. The XXXX however stated they could not provide me with any further documentation as my account was in collections and it would not allow them to view my account to retrieve documentation such as my signed agreement or payment history. 

I further called the billing company, XXXX XXXX XXXX, who on multiple occasions said they would email the documentation requested to me but have failed to do so. When following up, they stated they were not allowed to send the documentation and whoever I talked to prior misinformed me. I was able to talk to someone else who stated they would email the documentation to me but have still failed to do so. 

I did further ask the billing company if I paid the account in collections if my membership would stay inactive and all my debts would be paid. They stated when I pay the collection agency that they will reactivate my membership and start to charge me monthly again until I attempt to cancel it and pay again to cancel the membership. 

I do have documentation of the payments I've made as well as the cancelation paperwork and the letter I sent to the XXXX  in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/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 2024-09-20 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: AZ

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt 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 explanation