vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXXXX 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 2024-11-07 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: NC

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. 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 2024-11-07 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: CT

Complaint narrative:
Please remove negative remarks and inquiries off my credit profile from XXXX, XXXX and TRANS UNION immediately! 

XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of the data breach & identity theft within XXXX business days of you receiving this complaint. These accounts are inaccurate, XXXX XXXX  XXXX {$2000.00}, XXXX XXXX - XXXX {$520.00}, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX - XXXX, XXXX XXXX {$820.00}, XXXX- XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX {$6700.00}. These accounts have resulted in several breaches including Equifax XXXX, & fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, data breaches, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of a data breach that led to identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

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 XXXX  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 2024-11-07 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: TX

Complaint narrative:
To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating. 

Additionally, in compliance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up. 
The date on which you contacted the individual information furnishers. 
The method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or XXXX. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: DE

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00}

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$580.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I demand an immediate investigation and removal of the following disputed item : Account Number : XXXX Reported by : XXXX XXXX This information is inaccurate, incomplete, and unverifiable for the following reasons : 1. FAILURE TO VALIDATE DEBT : The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I sent a written request for validation, and the debt collector has not provided sufficient documentation to substantiate their claim.

2. DISPUTE WITH ORIGINAL CREDITOR : This account is currently in dispute with the original creditor. Under the Fair Credit Reporting Act ( FCRA ), disputed information can not be reported as accurate.

3. INACCURATE REPORTING : The balance, dates, and account status being reported are inaccurate and do not reflect the true nature of this account.

4. LACK OF STANDING : The debt collector lacks proper standing to report this information, as they have not provided evidence of their right to collect on this debt.

LEGAL NOTICE : Under the FCRA, 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation into this dispute within 30 days. This investigation must include : 1. Contacting the furnisher ( debt collector ) to verify the accuracy of the reported information.

2. Reviewing all information and documentation I have provided with this dispute.

3. Considering the specific points of dispute I have raised.

If you can not verify this information as 100 % accurate within 30 days, you are required by federal law to promptly delete it from my credit report.

DEMAND FOR ACTION : 1. Conduct a thorough investigation of this disputed item.

2. Remove the disputed information from my credit report if it can not be fully verified.

3. Provide me with a description of your investigation procedure.

4. Furnish me with the name, address, and telephone number of the source of this information.

5. Send an updated copy of my credit report showing the results of your investigation.

NOTICE OF INTENT : Be advised that failure to comply with this dispute may constitute a violation of the FCRA. If this disputed information is not removed or corrected within the statutory 30-day period, I intend to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue legal action against your company for violations of the FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney 's fees.

This letter serves as my formal notice of dispute under the FCRA. I expect a prompt and thorough investigation of 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 2024-11-07 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I demand an immediate investigation and removal of the following disputed item : Account Number : XXXX Reported by : XXXX XXXX This information is inaccurate, incomplete, and unverifiable for the following reasons : 1. FAILURE TO VALIDATE DEBT : The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I sent a written request for validation, and the debt collector has not provided sufficient documentation to substantiate their claim.

2. DISPUTE WITH ORIGINAL CREDITOR : This account is currently in dispute with the original creditor. Under the Fair Credit Reporting Act ( FCRA ), disputed information can not be reported as accurate.

3. INACCURATE REPORTING : The balance, dates, and account st
atus being reported are inaccurate and do not reflect the true nature of this account.

4. LACK OF STANDING : The debt collector lacks proper standing to report this information, as they have not provided evidence of their right to collect on this debt.

LEGAL NOTICE : Under the FCRA, 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation into this dispute within 30 days. This investigation must include : 1. Contacting the furnisher ( debt collector ) to verify the accuracy of the reported information.

2. Reviewing all information and documentation I have provided with this dispute.

3. Considering the specific points of dispute I have raised.

If you can not verify this information as 100 % accurate within 30 days, you are required by federal law to promptly delete it from my credit report.

DEMAND FOR ACTION : 1. Conduct a thorough investigation of this disputed item.

2. Remove the disputed information from my credit report if it can not be fully verified.

3. Provide me with a description of your investigation procedure.

4. Furnish me with the name, address, and telephone number of the source of this information.

5. Send an updated copy of my credit report showing the results of your investigation.

NOTICE OF INTENT : Be advised that failure to comply with this dispute may constitute a violation of the FCRA. If this disputed information is not removed or corrected within the statutory 30-day period, I intend to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue legal action against your company for violations of the FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney 's fees. 
This letter serves as my formal notice of dispute under the FCRA. I expect a prompt and thorough investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: KS

Complaint narrative:
I mailed letters on XX/XX/year> And XX/XX/year> about these inaccuracies on 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 2024-11-07 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: KS

Complaint narrative:
I mailed letters on XX/XX/year> And XX/XX/year> about these inaccuracies on my Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: FL

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: NM

Complaint narrative:
Here 's an expanded description of what happened that you could submit to the CFPB : I am experiencing a problem with my business checking account that prevents me from sending ACH transfers and wire transfers. Each time I attempt to initiate an external transfer, I receive the following message : " Were missing your mobile number. Add your mobile number to your account to use external transfers. '' It also mentions, " If you've already given us your number, it can take 72 hours to update your account. '' The issue began 10 days ago, and I have been attempting to resolve it since then. Despite having a confirmed and verified mobile number on file ( as confirmed multiple times by customer service ), the system continues to display this message and does not provide me with the option to proceed with a transfer.

Over the past days, I have called customer service approximately 10 times to address the issue. On each call, customer service agents have confirmed that my mobile number is properly registered on my account, yet the problem remains unresolved. Each time, I have been informed that my account should allow transfers, but I am still unable to initiate them.

The inability to make external transfers has caused significant inconvenience and disruption to my business operations, as I rely on these transfers to manage my business finances.

I am seeking assistance in resolving this technical issue, as my attempts to address it directly with customer service have not led to any resolution.

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