vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX BANK XXXX XXXX {$26000.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA 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 2024-12-06 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: CA

Complaint narrative:
I am writing to address fraudulent accounts on my consumer report that were linked to identity theft without my written authorization. These accounts have caused significant emotional and financial distress, inaccurately representing my credit history and hindering my ability to achieve important financial goals like purchasing a home.

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 2024-12-06 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: CA

Complaint narrative:
I am writing to address fraudulent accounts on my consumer report that were linked to identity theft without my written authorization. These accounts have caused significant emotional and financial distress, inaccurately representing my credit history and hindering my ability to achieve important financial goals like purchasing a home.

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 2024-12-06 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-06 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. I have been a victim of a data breach, and I did not authorize the accounts outlined below. These accounts were opened or reported without my consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$7400.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: NV

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. I have been a victim of a data breach, and I did not authorize the accounts outlined below. These accounts were opened or reported without my consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$7400.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00}

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 explanation
Consumer complaint received 2024-12-06 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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 writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I did not authorize the accounts outlined below, and they were opened or reported without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file. 
XXXX Accounts : XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$8500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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 writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I did not authorize the accounts outlined below, and they were opened or reported without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$8500.00}

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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check of {$4000.00} on XX/XX/year>. The funds were available to me on XX/XX/XXXX. I have been getting the run around from different branches why i cant access my funds even though they show available to me. They say the check is invalid even though it has gone through and taken out of the account that was check was from. Then its, we cant verify your information. Then its just give it a few days to post even though it has fully posted. I called loss and provention customer service they said my funds are available and i have been to 5 different branches and spoken to the branch manager and they give me one of those reasons or others.

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 2024-12-06 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: MD

Complaint narrative:
I am writing to inform you that I am a victim of a XXXX XXXX and as a result, the following account and inquiries have been made without my consent or authorization. I am requesting that these items be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
I am writing to inform you that I am a victim of a XXXX XXXX, and as a result, the following account and inquiries have been made without my consent or authorization. I am requesting that these items be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-06 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My identity was stolen for tax fraud im not sure when but i received a letter in the mail saying i owe XXXX when XXXX only XXXX turned XXXX this year of XXXX so im not sure who tried filling my taxes, someone also stole my identity when i lost my wallet back in XXXX opened up accounts im not sure of ( XXXX, XXXX ) and also gained access to my chase account and were trying to commit fraudulent activities. i also NEVER gave any of these companies permission to run my credit, this fraudulent ( XXXX  XXXX, chase, XXXX XXXX  and these other banks im not sure of )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Lack of Response and Non-Compliance with FCRA by Equifax For reference, the XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX number XXXX XXXX 

I am filing a formal complaint regarding XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) and its lack of response to my dispute concerning inaccurate reporting of a bankruptcy on my credit file. Despite my repeated attempts to address this issue directly with Equifax, they have failed to respond or provide any resolution. 

On XX/XX/year>, I submitted a dispute to Equifax, requesting clarification and validation of the bankruptcy information reported on my credit file. Despite allowing sufficient time for a response, Equifax has failed to acknowledge or address my concerns. 

Steps Taken to Resolve the Issue : Contact with the XXXXXXXX XXXX  XXXX XXXX XXXX I reached XXXX to the XXXXXXXX XXXX XXXX  XXXX XXXX which XXXX XXXX XXXX XXXX not report any information to credit bureaus. 
Review of PACER Records : I reviewed my PACER records and found inaccuracies related to the reported XXXX. 
XXXX with XXXX : XXXX confirmed that they did not validate any information from the courts and subsequently deleted the disputed item from their records. 
Despite these findings, Equifax continues to report this XXXX  without providing any validation or documentation to support its inclusion on my credit file. 

Violations of the Fair Credit Reporting Act : Equifaxs lack of response and failure to validate the disputed item is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to : XXXX a reinvestigation of disputed information, Provide a response to the consumer within the required timeframe, and Remove unverifiable or inaccurate information from the consumers credit file. 
XXXX inaction and failure to respond to my dispute demonstrate a lack of compliance with these legal obligations. 

Complaint Request : I respectfully request that the CFPB investigate the following : Why Equifax failed to respond to my dispute regarding the bankruptcy information on my credit file. 
How Equifax verified the accuracy of this information. 
Whether Equifax can provide documentation identifying the company or entity responsible for certifying the accuracy of this information. 

Thank you for your prompt attention to this matter. I trust the CFPB will address this issue to ensure compliance with federal regulations and protect consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Fraudulent crypto transaction worth close to $ XXXX to fraudulent trading platform XXXX between XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: OK

Complaint narrative:
I am sending this dispute to formally dispute the fraudulent information listed on my credit report, which I believe is the result of identity theft and human trafficking. In accordance with Section XXXX of the Fair Credit Reporting Act, I am requesting that you remove the following fraudulent accounts from my credit report within XXXX business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-06 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: LA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a victim about identity theft due to a dollar breach someone took my information and started opening up these credit card accounts. I tried to explain this to the creditors, but they wasnt trying to hear what I was saying according to XXXX XXXX XXXX consumer law without my permissive purpose please remove these fraudulent accounts due to data breach XXXX XXXX  XXXXXXXX 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 2024-12-06 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: RI

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 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 2024-12-06 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-06 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 BLOCK AND REMOVE. Kindly expedite the removal of the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within XXXX  days. Relevant documents are enclosed 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 explanation