vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-24 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report by the FCRA and the accepted STANDARD of metro 2 data field reporting. If any claims have not been proven to be correct, I request that they be removed. I understand that according to federal and state law, it is important to report any allegations accurately and completely. Therefore, I can not accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations as they are unsubstantiated. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.

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 2024-09-24 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:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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:
To Whom It May Concern : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the law 1681 15 USC.

Pursuant to 1681 15 USC section 602 A states I have the right to privacy.

Pursuant to 1681 15 USC section 604 A section 2 : it also states a consume reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement and terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. I look forward to your response. 
My information was involved in the XXXX XXXX and are unfairly being reported to my credit report. 
Resolutions : Please have these accounts deleted unless you want to be held accountable for {$1000.00} per account ; XXXX. XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX. XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX - XXXX I am including a copy of my drivers license with my updated ID and my Social security Card To have these items deleted from my 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 2024-09-24 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: GA

Complaint narrative:
To Whom It May Concern : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the law 1681 15 USC.

Pursuant to 1681 15 USC section 602 A states I have the right to privacy.

Pursuant to 1681 15 USC section 604 A section 2 : it also states a consume reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement and terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. I look forward to your response.

My information was involved in the Data Breach and are unfairly being reported to my credit report.

Resolutions : Please have these accounts deleted unless you want to be held accountable for {$1000.00} per account ; XXXX. XXXX XXXXXXXX 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 I am including a copy of my drivers license with my updated ID and my Social security Card To have these items deleted from my 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 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX i deposited my tax refund from the IRS check to my Citibank at the atm for XXXX and it went on hold for a week, as soon as the funds came i made a withdrawal and XXXX days later my account was closed and i visited a branch and called their customer service number and they said my account is closed and the funds will be sent back to the issuer and i wont be recieving a check in the mail for my funds.

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 2024-09-24 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: NJ

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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX  to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
A check was mailed to XXXX on XXXX. It was cashed on XX/XX/year>. XXXX has not applied my payment and I have made numerous calls for the last two weeks trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
After years, my mortgage bank suddenly decided they didn't like the way my address was shown on my homeowners insurance policy and I had to change it. My insurance company declined to requote my policy. I found coverage elsewhere, but there was a period of 12 days when I did not have homeowner 's insurance. Now the bank agrees that I'm currently covered, but they are trying to force me to pay for insurance coverage for the 12 days I was uninsured. That could serve no purpose since the coverage for it would have ended weeks ago, after I got my current policy.

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 2024-09-24 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:
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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 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.

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 2024-09-24 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: WV

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-09-24 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: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 greatlyappreciated.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

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 greatlyappreciated.

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 2024-09-24 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: NV

Complaint narrative:
RE : Social Security XXXX and account reported from : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( XXXX Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( XXXX Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : XXXXXXXX XXXX XXXX XXXX Account : XXXX Reason : Validate Account. Please ensure that all information is accurate. 

Creditor XXXX XXXX XXXX, Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 


ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( XXXX ), AS WELL AS EVERY AND XXXX EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CA

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, Experian is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which Experian has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that Experian provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an e-OSCAR or automated response. If Experian can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ). 

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.

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 2024-09-24 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: AL

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 XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these 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 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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