vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Birthdate : XX/XX/year> SSN : XXXX In response to your email and based on what was said, I have determined that 1. The block was not blocked due to an error. I requested these accounts to be blocked due to it being identity theft!!

2. The block was requested by I, the consumer and gave proper representation with relevant material.

3. Im requesting you to show me proof of me obtaining the possession of these goods or money on these accounts.

The accounts on my consumer report I need removed due to them being identity theft are -XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX As I stated before, I am a victim of identity theft. Please see the attached documents for the PROPER and RELEVANT REPRESENTATION relating to this case. The attached documents include a copy of my drivers license, proof of my residency, a copy of my SSN, and a copy of the FTC identity theft report affidavit I filed regarding this case. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) states 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 4 business days after the date of receipt. It has been more than 4 days making you in VIOLATION of this law! As a Consumer I am demanding the deletion of ALL accounts and information i've listed as identity theft in the FTC identity theft report affidavit i've filed and attached 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 reports ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS 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 right as a federal protected consumer. NO WRITTEN CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of ALL accounts and information i've requested immediately!! If these accounts are not removed from my consumer profile immediately, I will be required to get my FCRA attorney and take legal action!

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 2024-05-25 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-05-25 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
Hello, I have been dealing with a long back and forth with all three credit bureaus over a large amount of fraud and inaccurate information across my entire report. On XX/XX/2024 ( and a few times before ) I have sent disputes to XXXX XXXX XXXX XXXX what appears to be an auto loan that is reported on my Transunion Report. I have submitted documents and attempted to contact the creditors. They all have failed to comply even after the thirty days after XX/XX/2024. They have not responded to the latest dispute as of XX/XX/2024 XXXX. I am please requesting that this matter be resolved for my sake. Thank you so much for your time.

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 2024-05-25 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:
Hello, I have been dealing with a long back and forth with all three credit bureaus over a large amount of fraud and inaccurate information across my entire report. On XX/XX/year> ( and a few times before ) I have sent disputes to XXXX XXXX XXXX XXXX what appears to be an auto loan that is reported on my XXXX Report. I have submitted documents and attempted to contact the creditors. They all have failed to comply even after the thirty days after XX/XX/year>. They have not responded to the latest dispute as of XX/XX/year> XXXX. I am please requesting that this matter be resolved for my sake. Thank you so much for your time.

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 2024-05-25 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: CT

Complaint narrative:
XXXX Account # XXXX XXXX XXXX Is reporting inaccurate information on my credit profile. 
I provided proof and spoke/ disputed with live a agent over the phone about the inaccuracy that is being reported on my consumer report. 
And the dispute resulted on my consumer credit reports says updated but nothing changed. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit 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 2024-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
This is an ongoing issue that I have complained about before. See Complaint # XXXX. This time it is not XXXX 's fault, but the collector. XXXX removed the account, finally, after 3 years of fighting with them. Now the collector, Wakefield & Associates, whom are renown for fraudulent collections, have once again placed the exact same account XXXX removed back onto my report but with a different open date. This will make the XXXX time. I am sik of this. It is destroying my credit and my chances of getting new credit, a car, a home, and so much more..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX of 2024, I discovered my business debit card was missing from my wallet, where I usually keep it. I never allow this card out of my sight and no one has access to it, except me. It appears that someone whom I do not know deposited multiple checks at an ATM machine located at XXXX XXXX XXXX XXXX in XXXX, IL. I have never in my life been to XXXX, IL, so how could I make a deposit or multiple deposits there ( and why would I? ). Upon further investigation, I looked to see the copies of these checks that were deposited ( there was a total of 4 deposits that amounted a grand total of : {$1000.00} ( {$300.00}, {$300.00}, {$180.00}, {$280.00} ) Three of the deposits were check deposits, however, they appear to be checks from the state of Illinois ( tax return checks of some sort ), and all of the names on the checks are different ... How could Chase Bank even let this happen? I have no idea what is going on here, and I am TERRIFIED more so now than ever, as Chase bank is now demanding a police report in order to clear MY name. Shortly after these " deposits '' were made by an unknown party who must have my stolen debit card up to this point, there was a series of ATM Withdrawals ( 7 to be exact ) done at XXXX XXXX XXXX, per the information within my ledger online, and another large withdrawal of {$400.00}, which was done through a XXXX program ; It appears that money was sent to XXXX, whomever that may be. This is all of the information up to this point in time that I have. So, Chase in fact refunded my money to me, but then took it back a second time and Is basically holding my money hostage, hence I did not participate in this crime or whatever the person who has my debit card is involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
I sent a copy of the FTC report, and it has come to light that XXXX credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-05-25 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:
Accounts reporting " Late Payment '' Accounts reporting " High Utilization '' Every consumer reporting agency shall maintain reasonable procedures to ensure accuracy to avoid violations per 15 USC 1681c IT IS A VIOLATION OF LAW TO REPORT TRANSACTION HISTORY!! 

THE PRIVACY ACT OF 1974. 15 USC 1681n Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

15 USC 1681 Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 15 USC 6801 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Several accounts reporting as " Charge Off '' Per IRS Publication 4681 " Charge Off '' are deemed as COD " Certificate of Debt '' and is considered as income. IT IS A VIOLATION TO REPORT A CONSUMERS INCOME.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$690.00}

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding a public record entry on my credit report that has been inaccurately reported. After conducting my own thorough investigation and verification with the creditor, USBK COURT XXXX NORTH CAROLINA, it has been confirmed that the bankruptcy entry in question was NEVER reported by the creditor to the credit bureaus. Despite this verification, this USBK COURT XXXX NORTH CAROLINA account continues to negatively impact my XXXX XXXX and financial standing. Transunion states they verified this information from a third party called XXXX. I have attached the correspondence from XXXX stating this was removed because it was unverifiable ... .so how can Transunion have verified it if it was not on my XXXX consumer report they have failed to do a proper investigation and reinvestigation. This inaccurate reporting is causing significant distress and hindering my ability to access fair credit opportunities. I kindly request your intervention to ensure the prompt removal of this erroneous bankruptcy entry from my credit report. I have attached documentation from XXXX confirming the non-reporting and unverifiable status of the bankruptcy. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the swiftest action to rectify this issue and restore the accuracy of my credit 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 2024-05-25 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: IL

Complaint narrative:
Please erase these inquiries. I am uninformed about this matter, and the company did it without my authorization.

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 2024-05-25 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:
PLEASE BLOCKED AND REMOVED It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief