vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are included for your review and reference.

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 2024-11-22 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: IL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Winklevoss Exchange LLC

Complaint narrative:
My name is XXXX XXXX XXXX. I live in XXXX .Just a short summary of the issue. Back in XX/XX/year>, I had held a XXXX {$6900.00} XXXX XXXX  for a certain crypto ( XXXX ) counter in my Gemini Account. As it was reduced to XXXX XXXX {$600.00} and approaching liquidation, I had to top up the account and the only way possible was to transfer monies I had in my Primary Account to the Derivatives Account. I was unable to do so and there was no Maintainence announcement at that point of time. I immediately emailed their support via email. 

As the position was reaching liquidation and reduced to XXXX {$600.00} and there was no response from them, I was forced to clear a portion of my position. Despite my repeated emails there was no response to rectify the position. I clearly had the necessary funds in my Primary Account to keep the position open. Soon the position reached liquidation and immediately after that, the function to make the transfer became available.

I was really upset and wrote to the Mgt asking for an explanation. They admitted there was an " incident impacting certain web pages such as Balances and transfer account facility '. I also questioned them how the function was restored immediately after my position was liquidated. 

After a month of repeated emails they credited an amt of XXXX  {$700.00} into my account but by then the price had appreciated. After another round of complaints they disbursed another amt of XXXX {$2000.00}. But again the price had appreciated. I wrote in again to ask for further compensation but it was flatly denied. 

At today 's current value, my position will be worth XXXX {$700.00} XXXX as I had no intention to sell that position at that point in time I would like to raise up this issue as many consumers may lose huge sums of monies due to administrative errors like these. What was excrutiating was the fact that the function to transfer became immediately available as soon as the position was liquidated which shows a clear indication that something is not right and there is a deliberate attempt to manipulate the system and forcing the liquidation of the position. The exchange has acknowledged it's error regarding the problem and has made a small token to give additional credit which is in no way proportionate to the losses that I have suffered. I have all the emails regarding this matter and would be happy to have them posted to your address as soon as I have a case number. 

I sincerely hope the organisation will protect customers like us regarding this matter and take some action to help us address the issue. I have been corresponding with them to arrange a meeting or handle the matter and as of this date I have yet to receive a reply regarding the matter Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
Please remove all unauthorized hard inquiries under 15 USC 16c-2, as they were not authorized and are affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I initiated contact with XXXX in early XXXX, leaving a voicemail message and sending a follow-up email. He mailed me a statement to my residence. I am formally requesting the final payment date as recorded by XXXX XXXX. I have concerns that XXXX XXXX XXXX be in violation of the Fair Debt Collection Practices Act ( FDCPA ) by altering payment dates. I have not received any communication from XXXX XXXX regarding this matter. I request that this account be removed from all of my credit reports. XXXX and XXXX XXXX ghosted 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 non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I initiated contact with XXXX in early XXXX, leaving a voicemail message and sending a follow-up email. He mailed me a statement to my residence. I am formally requesting the final payment date as recorded by XXXX XXXX. I have concerns that XXXX XXXX may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) by altering payment dates. I have not received any communication from XXXX XXXX regarding this matter. I request that this account be removed from all of my credit reports. XXXX and XXXX XXXX ghosted 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 2024-11-22 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.

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 2024-11-22 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2024-11-22 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: MD

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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.

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 explanation
Consumer complaint received 2024-11-22 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Discharged reference 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 2024-11-22 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Discharged reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MA

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 2024-11-22 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: MA

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 2024-11-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information Reported by Innovis FTC Identity Theft Documentation Attached - Case ID XXXX I am filing a formal complaint against Innovis for its failure to properly handle and investigate disputes regarding inaccurate information on my credit report. Despite providing comprehensive documentation, including an FTC Identity Theft Report, a notarized FTC Identity Theft Affidavit, and a police report, Innovis continues to report fraudulent and inaccurate accounts under my name. 

Inaccurate Information on My Report : XXXX. XXXX XXXX  - Account # XXXX  Fraudulent balance and unauthorized activity reported. 
Incorrect personal information used ( variation of my name and outdated address ). 
XXXX. XXXX XXXX XXXX Account # XXXX Fraudulent account with no affiliation to me. 
XXXX. XXXX XXXX  - Account # XXXX Erroneous reporting as discharged in bankruptcy. 
XXXX. XXXX XXXX XXXX  - Accounts # XXXX and # XXXX Accounts falsely linked to me, despite evidence of identity theft. 
XXXX. XXXX XXXX XXXX  - Account # XXXX Fraudulent account opened using a variation of my name, not matching my legal identity. 

Supporting Documentation Submitted : FTC Identity Theft Report FTC Identity Theft Affidavit ( notarized ) Police Report documenting the identity theft incident Highlighted Innovis Credit Report showing the errors Requested Resolution : XXXX. Immediate removal of all fraudulent and inaccurate accounts. 
XXXX. Verification of my identity as XXXX XXXX XXXX, correcting all false name variations and outdated addresses. 
XXXX. Assurance that Innovis will comply with the FCRA and properly investigate disputes rather than relying on automated processes that perpetuate inaccuracies. 

Consumer Harm : The continued reporting of this fraudulent information has caused severe damage to my financial reputation and creditworthiness. Innovis failure to take appropriate action and comply with the FCRA and FTC regulations constitutes negligence and disregard for my rights as a consumer. 

I am requesting the CFPB to intervene and ensure Innovis takes immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX - {$3600.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX - {$620.00} - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX- {$1700.00} - Date Opened - XXXX XXXX, XXXXXXXX XXXX XXXX XXXX - {$4000.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX  - {$680.00} - Date Opened - Sep. XXXX, XXXX Adresses : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX CT, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, 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 2024-11-22 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: NV

Complaint narrative:
I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my 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 explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
The reporting of account ( ... XXXX ) reflects a date opened in XXXX and a first date of delinquency in XXXX, which is factually inaccurate and contradictory on my credit report. An account can not become delinquent prior to being opened. This reporting discrepancy violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), which requires credit information to be reported with maximum possible accuracy. 

The inaccurate reporting has caused me the following damages : Denial of credit ( financial aid for school ) Emotional distress and harm to my reputation. 

I request that this account be removed from my credit file entirely to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief