vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: California Business Bureau, Inc.
State: AZ

Complaint narrative:
I received a bill from a hospital in California, I reached out and advised I have not been there and must be mistaken. I asked for anything showing it was my bill, due to the fact I live in Arizona and covered by XXXX, so I'm sure I had no medical bills in California. I also received a physician bill at the same time, when I reached out and explained I live in AZ and not my bill, they removed the balance. I have disputed numerous times on credit reports, but not getting anywhere. I do not feel it is ok for them the just add accounts to peoples credit as it has drastically affected my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: DISCOVER BANK
State: NJ

Complaint narrative:
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 

XX/XX/24 XX/XX/24 XX/XX/24 XX/XX/24 I disagree with account listed in attachment There are alot of inaccuracies thats are appearing on my consumer report affecting my ability to and i would like this immediately re-investigated the inaccuracy are highly injurious to my credit score XXXX XXXX in accordance with the fair credit reporting act public law 91-506 title VI section 611 Subsection A-D please provide the names addresses of each individual with who verified above including dates payment history and balance accuracy please send me a copy of my updated credit report after you're reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$380.00} - Late/closed XXXX Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} - ChargeOff XXXX XXXX  Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} - ChargeOff XXXX XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} - ChargeOff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-12-11 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-12-11 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: NC

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant XXXX, and I implore you to promptly correct this error by removing it from my account.

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>. I called Synchrony Bank the lender for the Car Care Credit Account I opened in XX/XX/year>. I spoke to XXXX at the XXXX number on the statement. I verified that the account was paid in full and it was a {$0.00} balance. I requested a letter stating that the account was paid in full and that I requested the account to be closed. On XX/XX/year> I received a letter and a statement indicating that if I did not create an online account I would be charged {$1.00} each month. This is unacceptable as I closed the account on XX/XX/year>. I never received the letter stating the account was at a {$0.00} balance or that I had requested the account be closed. Additionally, this organization keeps trying to get information from the 3 major credit bureaus on my credit details. They need to cease and desist this action. They also, need to verify that they will not be charging a closed account {$1.00} every month. I will never do business with Synchrony Bank ever again. Please speak to this organization and remind them of their fiduciary responsibilities to former customers.

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 2024-12-11 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: OH

Complaint narrative:
urpose as required under Section 604 of the FCRA ( 15 U.S.C. 1681b ).

Violation of Verification Obligations : I submitted a dispute letter to TransUnion requesting verification of these inquiries, including copies of the original signed contracts that purportedly authorize theI am filing this complaint against TransUnion for their failure to properly investigate and remove unauthorized hard inquiries from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the issue and supporting information : Unauthorized Inquiries Identified : During a recent review of my credit report, I discovered multiple hard inquiries that were conducted without my authorization. These inquiries were made without my written or verbal consent and do not have a permissible pm. Under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is legally required to provide verification, yet they failed to do so.

Failure to Reinvestigate and Remove Inaccurate Information : Pursuant to Section 611 ( a ) of the FCRA, any information deemed inaccurate or unverifiable must be removed from the credit report. TransUnions inaction following my dispute constitutes non-compliance with this requirement. 

Identity Theft Claim : These unauthorized inquiries are potentially linked to identity theft. I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and included it in my dispute submission. TransUnion is required under 15 U.S.C. 1681c-2 to address identity theft claims promptly and accurately.

List of Disputed Hard Inquiries : XXXX XXXXXXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired XXXX XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX XXXX  Inquired on 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 2024-12-11 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-11 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: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/year> I contacted Bestbuy Billing Department and found out they had no record of them placing a dispute on my credit card debt, because I refused to pay the debt. So, after thinking about any disagreement I had with Bestbuy involved having purchase additional equipment at Bestbuy store having been unadvisement by their XXXX XXXX to do so. But, after the equipment the fix the problem with internet I tried to return the equipment to Bestbuy, but they refused to accept the return, eventhough I had been under advisement by their techs, so I let managers and whoever would listen that I didn't agree with their reasons not to accept the equipment being returned.This is the only situation I ever voiced a disagreement with Bestbuy. But my mortgage broker brought to my attention that my lender wanted the incorrection on my credit report associated with Bestbuy/CBNA to be removed due to appearing by the " consumer disagree '' but doesn't give specific of what the consumer is disagreeing with, but since the remark is under my Bestbuy credit card it suggests my the consumer disagreement is associated with the credit card. But my account is current and has no late payment or gaps.

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 2024-12-11 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: AL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MS

Complaint narrative:
Formal Complaint Regarding Unverified Hard Inquiry on TransUnion Report To Whom It May Concern, I am submitting a formal complaint concerning an unverified hard inquiry reported by TransUnion but not reflected on my XXXX or XXXX credit reports. The inquiry in question is from XXXX XXXX XXXX XXXX the last date of inquiry being XX/XX/year>. 

This discrepancy violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all information reported by consumer reporting agencies be accurate, verifiable, and fair. If this inquiry can not be independently verified as authorized, it must be immediately removed from my credit report. 

Basis for Dispute : The hard inquiry is only reported on TransUnion and not on XXXX or XXXX, raising questions about its validity and authorization. 

This unverified inquiry is negatively affecting my creditworthiness, causing harm by lowering my credit score and limiting my ability to obtain favorable terms on credit products. 


Request for Immediate Removal : I formally dispute the presence of this hard inquiry on my TransUnion credit report and request its immediate removal as it can not be verified across all major credit bureaus. 

Legal and Regulatory Actions : If this matter is not resolved promptly : I will escalate this issue to the State Attorney General and the Federal Trade Commission ( FTC ). 

I reserve the right to seek legal action for damages caused by the inaccurate reporting of this unverified inquiry, including statutory damages of up to {$1000.00} per violation under the FCRA. 


I expect a written response within the legally required timeline confirming the deletion of the hard inquiry and outlining the steps taken to address this matter. 

Thank you for your immediate attention to this issue. 

Sincerely, 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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: WV

Complaint narrative:
I tried to log into wise.com where I have an account. I was unable to do so and got a XXXX failed message. I was instructed to contact Customer Service. To contact Customer Service you have to login... which you can NOT do. Customer Service is not reachable. I am unable to login and transfer service. This company should be banned in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-11 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: AL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-12-11 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: AL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX i filed a complaint through you about items on my report. It's been over 30 days and the haven't notified through you about the results and according to FCRA the items must be removed from the 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 2024-12-11 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding 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 2024-12-11 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-12-11 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation