vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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 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 2024-08-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MI

Complaint narrative:
I became aware of my identity theft some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, 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 2024-08-15 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: MI

Complaint narrative:
I became aware of my identity theft some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: AK

Complaint narrative:
Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have ONE name. However, Experian publishes ( 17 ) seventeen incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. 
Over the last ( 10 ) ten years, I have had only 3 addresses. Two are current, one is not mailable there are incorrect 4 with Experian, 3 with XXXX, 3 with XXXX never associated with me. 

For the last ( 20 ) years, I have had the same and only phone number for both business and personal For the last ( 10 ) years, I have had one employer. Experian lists 3 Employers. XXXX and XXXX list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, XXXX reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than 2800 sq ft. However, my company does broker real estate transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond ten years old.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Unexplained Account Suspension of by Upgrade Inc. ( https : //www.upgrade.com/ ), my funds are still stuck inside Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Upgrade Inc. regarding the unjustified suspension of my checking account. My account, which holds a balance more than {$1000.00} USD, was suspended without any prior notice or valid explanation. 

Over the past 2 weeks, I have made multiple attempts to resolve this issue directly with Upgrade Inc., both through emails ( sent to XXXX XXXX XXXX  ) and phone calls ( by calling XXXX as instructed on their website ). Unfortunately, each time I have been told simply to wait, with no clear explanation or timeline for when this issue will be resolved. This lack of communication and accountability is unacceptable, and it has caused me significant financial stress and inconvenience. 

Given that I have been unable to access my funds for an extended period and have received no meaningful assistance from Upgrade Inc., I am requesting that the Consumer Financial Protection Bureau intervene in this matter. I urgently need your help to recover my funds and ensure that Upgrade Inc. adheres to fair and transparent practices in dealing with its customers. 

Please let me know if you require any further information or documentation to assist in resolving this matter. I appreciate your prompt attention to this serious issue. 

Thank you for your assistance. 

Best regards, XXXX : XXXX XXXX XXXX : XXXX Account number with Upgrade : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
I am writing to formally request your assistance in addressing a serious issue with Experian 's reporting on my credit file. Specifically, XXXX has reported accounts that are fraudulent and do not belong to me. Despite my efforts to dispute these inaccuracies directly with Experian, the fraudulent accounts remain on my report, negatively affecting my credit score and financial well-being. I kindly ask for your intervention to investigate this matter and ensure that these erroneous entries are promptly removed from my credit report. Your support in resolving this issue would be greatly appreciated.

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 2024-08-15 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: TX

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Transunion that these are from fraud.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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.

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 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 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I get a call from portfolio recovery from a different phone number everyday for the past 3 months at least. They spoof my number to make it look like someone I know is calling. They call me multiple times in a day sometimes. Last phone number they called from was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my account XXXX with XXXX XXXX XXXX  was back in XX/XX/year>. the car was totaled out in a car wreck and my insurance company national general paid the car loan off in full. i was told that the payment was sent to XXXX XXXX XXXX but somehow it resulted in a late payment derogatory being placed on my consumer report. i was not notified about a payment that was due i was told that the car was paid on time. on my consumer report it says that i have a late payment for XXXX but i have a signed check from my insurance company showing that the payment was sent in XXXX and my gap was covered shortly after also i have a written letter from XXXX XXXX XXXX stating that i am in good standing with them. i would like the removal of this late payment and this account immediately for i did not authorize or ask for any of this to be reported on my consumer 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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
There was an unauthorized transaction from the following company XXXX XXXX XXXX that posted on the XX/XX/year>, this transaction was for the amount of {$280.00} that was done on XX/XX/year>. I reached out to the bank ( Wells Fargo ) in regards to the transaction an to file a claim for the balance. The claim was later denied saying that the Merchant provided them my name. This transaction is unauthorized and do NOT recognize that merchant or the location of the transaction. 

There was also additional attempts for larger amounts from the same merchant that were denied. I even received Notifications about the transaction attempts for larger amount so that's when I decided to cancel the card. I also replaced my card as soon as I saw the Unauthorized transaction attempts.

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 monetary relief
Consumer complaint received 2024-08-15 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 am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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 2024-08-15 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: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation!

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 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 2024-08-15 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: MD

Complaint narrative:
Subject : Request for Assistance in Removing Unauthorized Credit Inquiries Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit reports from Experian, XXXX, and XXXX. The following seven companies have accessed my credit reports without my consent, and I have no associated accounts with any of these lenders : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Furthermore, I requested that Experian, XXXX, and XXXX remove these inquiries from my credit reports. However, they refused, instructing me to file a report with the Federal Trade Commission ( FTC ). These unauthorized inquiries are adversely affecting my credit score and have significantly hindered my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling Experian, XXXX, and XXXX to remove these unauthorized credit inquiries from my credit reports. Your prompt attention to this matter would be greatly appreciated, as it is crucial for my financial well-being. Thank you for your assistance.

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 2024-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See my attached ID theft report. 
See my attached Notice to file suit. 
See my attached highlighted transaction proof for all accounts ( such as over 7 years, irrational transaction i.e showing charged off but after payments being made?? With a 0 balance etc ) ALL OTHER REPORTING AGENCIES have removed these account factually found them incorrect & the companies came back with XXXX refuted evidence and you just keep the dispute open and it's been past 180 days since my first one.

Company response to consumer: Closed with non-monetary relief