vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
Pursuant to section 623 of the Fair Credit Reporting Act ( FCRA ), this company MUST remove this item of information from ALL consumer reporting agencies if the furnisher of information has reasonable cause to believe that the information is inaccurate or if the disputed information is found to be inaccurate, incomplete, or unverifiable. I have been going back and forth with this company and they claim to comply with the FCRA however, even with undeniable proof ( exhibit a ) of consumer reporting agencies unable to verify the account and deleting it, XXXX is still willfully violating the FCRA by keeping the item of information on a consumer report. Section 623 ( b ) ( D ) and subparagraph ( XXXX ) ( ii ) states that a data furnisher must report those results to all other consumer reporting agencies to which the person furnished the information. XXXX did NOT do that and please keep in mind that Consumer Reporting Agencies promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer as stated in 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( XXXX ). I demand that XXXX deletes this item of information on ALL consumer reports and compensate me for these damages. Please see attached documents that support my claim.

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 2024-05-10 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: Global Lending Services LLC
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2024-05-10 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 explanation
Consumer complaint received 2024-05-10 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:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records 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 2024-05-10 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:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records 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 explanation
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-05-10 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 am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: SC

Complaint narrative:
I am disputing the account with XXXX XXXX XXXX, account number XXXX, which has been reported on my credit report. I have taken XXXX  actions to resolve this matter, including : XXXX XXXX XXXX XXXX by phone and mail to request verification of the account information and the purchase agreement showing full ownership of the account. 
Sending a XXXX  letter to XXXX XXXX XXXX, exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires creditors to provide proof of the debt 's validity. 
Despite my efforts, I have not received any verification from XXXX XXXX XXXX. As such, I believe this account does not belong to me, and it should be removed from my credit report immediately. 
This account 's presence on my credit report has prevented me from applying for a mortgage to purchase a home for myself and my children, leaving us homeless.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing the account with XXXX XXXX XXXX, account number XXXX, which has been reported on my credit report. I have taken XXXX  actions to resolve this matter, including : XXXX XXXX XXXX XXXX by phone and mail to request verification of the account information and the purchase agreement showing full ownership of the account. 
Sending a XXXX  letter to XXXX XXXX XXXX, exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires creditors to provide proof of the debt 's validity. 
Despite my efforts, I have not received any verification from XXXX XXXX XXXX. As such, I believe this account does not belong to me, and it should be removed from my credit report immediately. 
This account 's presence on my credit report has prevented me from applying for a mortgage to purchase a home for myself and my children, leaving us homeless.

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 2024-05-10 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: DISCOVER BANK
State: VA

Complaint narrative:
Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Under Virginia FCRA and Identity Theft Laws Dear DISCOVER BANK, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, in violation of the Virginia Fair Credit Reporting Act ( XXXX ) and identity theft laws. Specifically, this violation is in direct contravention of Sections XXXX and XXXX of the XXXX of Virginia. 

It has come to my attention that [ XXXX XXXX ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The XXXX, under Section XXXX, mandates that consumer consent is a prerequisite for such reporting activities. 

Moreover, Virginia identity theft laws, particularly XXXX XXXX, highlight the gravity of unauthorized access and misuse of personal information, emphasizing the protection of consumer rights. 

I assert unequivocally that I have not provided consent for [ XXXX XXXX ] to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating disregard for Virginia state laws. 

I demand, with utmost certainty, that [ XXXX XXXX ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX of the XXXX and XXXX XXXX of Virginia identity theft laws XXXX Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the XXXX and Virginia identity theft laws. This is not a negotiation ; it is a demand for compliance with state regulations, safeguarding consumers like myself from unauthorized credit reporting. 

I expect [ XXXX XXXX ] to address this matter promptly and rectify these violations, respecting my rights under Virginia state laws. 

Done in good faith, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 2024-05-10 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2024-05-10 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: MI

Complaint narrative:
I never received a credit card from XXXX XXXX XXXX XXXX DELETE/REMOVE HARD INQUIRIES 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 2024-05-10 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 writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then, the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
I was looking to buy a house and notice I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damnages on your credit report and is a defamation to you character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My online access has now been blocked and I am unable to close my account and have my monies overnighted to me. Here is a chronicle of events : XX/XX/XXXX I was able to transfer XXXX via XXXX to my XXXX account XX/XX/XXXX I was able to transfer XXXX  via XXXX to my XXXX account XX/XX/XXXX I requested to Wire Transfer XXXX to my XXXX account XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX The Wire Transfer was cancelled and my account was closed due to suspicious activity. 
XX/XX/XXXX Citibank opened up account XXXX XXXXand moved my money ( with the exception of the XXXX. I had to call back after a XXXX  of days to have that moved ) XX/XX/XXXX Citibank deposited the interest earned of XXXX  from XXXX into the old account XXXX XXXX. I had to call and ask them to move it and unlink my new XXXX  card to the old account. 
XX/XX/XXXX I requested Wire Transfer XXXX to my XXXX account XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX My Wire Transfer of XXXX was cancelled saying that they were unable to verify that I requested it and I was told to try again XX/XX/XXXX I requested another Wire Transfer of XXXX XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX I received an email saying that my Wire Transfer of XXXX was cancelled saying that they were unable to verify that I requested it XX/XX/XXXX My online account was blocked. I called in and because my cell phone is owned by XXXX XXXX ( my employer for XXXX  years ), they said that they were unable to verify it was me. 
XX/XX/XXXX I was told that I would receive a letter in XXXX to XXXX  days with a code. I need to call in then with the code. 
I no longer wish to do business with Citibank for the above reasons. Please close my account and overnight a check to the address listed on the account. It is the same address and phone number that I have had ever since opening my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I am a victim of Identity theft. These are not authorize accounts by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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