vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: MO

Complaint narrative:
I am writing to express my profound frustration and dissatisfaction with the numerous unsuccessful attempts I have made to remove fraudulent items from my account. Despite my continuous efforts and clear evidence supporting my claims, these fraudulent items persist, and it is imperative that they are promptly addressed and rectified. 

I discovered several unauthorized and fraudulent entries associated with my account. These entries include such as unauthorized inquiries, inaccurate address and collection accounts. 

Upon discovering these fraudulent items, I immediately initiated a dispute through your official channels, providing all necessary documentation to substantiate my claims. I explicitly requested that these fraudulent items be removed from my account. 
Unfortunately, my initial dispute did not yield the desired results, and the fraudulent items remain on my account. I have subsequently made multiple attempts to dispute these items, each time providing additional evidence and adhering to the proper dispute process, as outlined by your organization. 

In addition to submitting disputes through your official channels, I have reached out to your customer support on numerous occasions, seeking assistance in rectifying this situation. To my dismay, I have not received any meaningful resolution or assistance from your support team. 

The continued presence of these fraudulent items is causing significant financial and emotional distress. It is not only affecting my credit score but also damaging my trust in your organization 's ability to safeguard my financial information. 

I demand immediate action to remove these fraudulent items from my account, conduct a thorough investigation into their origin, and update my account history accordingly. I also request written confirmation once the fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines the trust I have in your organization 's commitment to protecting my sensitive information. I am asking for your immediate assistance to remove these following fraudulent items : MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$90.00} XXXX XXXX  MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX  Balance Owed : {$130.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-17 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: MO

Complaint narrative:
I am writing to express my profound frustration and dissatisfaction with the numerous unsuccessful attempts I have made to remove fraudulent items from my account. Despite my continuous efforts and clear evidence supporting my claims, these fraudulent items persist, and it is imperative that they are promptly addressed and rectified. 

I discovered several unauthorized and fraudulent entries associated with my account. These entries include such as unauthorized inquiries, inaccurate address and collection accounts. 

Upon discovering these fraudulent items, I immediately initiated a dispute through your official channels, providing all necessary documentation to substantiate my claims. I explicitly requested that these fraudulent items be removed from my account. 
Unfortunately, my initial dispute did not yield the desired results, and the fraudulent items remain on my account. I have subsequently made multiple attempts to dispute these items, each time providing additional evidence and adhering to the proper dispute process, as outlined by your organization. 

In addition to submitting disputes through your official channels, I have reached out to your customer support on numerous occasions, seeking assistance in rectifying this situation. To my dismay, I have not received any meaningful resolution or assistance from your support team. 

The continued presence of these fraudulent items is causing significant financial and emotional distress. It is not only affecting my credit score but also damaging my trust in your organization 's ability to safeguard my financial information. 

I demand immediate action to remove these fraudulent items from my account, conduct a thorough investigation into their origin, and update my account history accordingly. I also request written confirmation once the fraudulent items have been successfully removed. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines the trust I have in your organization 's commitment to protecting my sensitive information. I am asking for your immediate assistance to remove these following fraudulent items : MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$90.00} XXXX XXXX MO CHLD SPRT XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX and opened a joint account with my son who has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to help him with his money and bills. I explained to the account rep i would be primary in North Carolina and needed a debit card sent to me ASAP! 
I called for 2 weeks solid and was told the debit card was on its way. It was a lie all along. They never sent it to me they mailed both to the XXXX XXXX my son lived in. Before i could get registered, they refused to help me from NC! My son was extorted and robbed for around XXXX. Once i got help from Manager and got logged in to account, i seen a ton of fraud! I told them it was all fraud and to shut down the card. They never asked about 3 different people XXXX XXXX XXXX XXXX XXXX XXXX! I constantly reported it. My son told them he fidnt authorize snd that they were taking his phone and transferring money. 
They refused to stop the financial abuse and kept the account open until it was completely gone. 
All in all, my son had his money stolen, his wallet and phone, his car stolen that he just bought that day and they murdered him. 
Yes my son was murdered and commerce bank allowed the abuse for weeks!! 
They did not want to refund any but did refund like XXXX because the thugs were still taking money as he was incapacitated. 
I contacted fraud in XXXX XXXX to request help after the branch manager was unable to do much of anything. I also have a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who used his XXXX XXXX multiple times each. As many as 25 times in a week or so. Its on his statements. They were also attempting to take money out if other apps while he was on life support These are nasty animals. They also storle all his clothing, belongings, phone, money, and car Then they killed him. 
Disgusting filth Commerce is at fault for refusing to listen to s mother trying to help her son to keep from being taken advantage of by these filthy animals. 
Im missing XXXX XXXX XXXX XXXX XXXX  and these fools busy kept giving his money put for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  Balance : {$5200.00}

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 2023-10-17 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: WA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-17 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inquiries immediately.

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 2023-10-17 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-10-17 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: GA

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to remove an inaccurate address and a collection account from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. 

I discovered an incorrect address listed on my credit report. This address is not associated with me and does not reflect my current or past residences. Its inclusion on my credit report is erroneous and misleading. 

In addition to the inaccurate address, I also identified a collection account on my credit report. I have never had any dealings with the creditor in question, and the presence of this collection account is negatively impacting my creditworthiness and financial opportunities. 

Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I submitted all required documentation, along with a request for the removal of the inaccurate address and the collection account. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these inaccuracies. I provided additional evidence, communicated with your customer support, and sought assistance from your representatives, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide irrefutable evidence supporting my claims, I have not received a satisfactory resolution from your organization. The presence of the inaccurate address and the collection account continues to adversely affect my credit score, hindering my access to financial opportunities. 

I demand immediate action to rectify these inaccuracies on my credit report, specifically by removing the inaccurate address and the collection account. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines my trust in your organization 's commitment to accurate credit reporting. I am asking for your immediate assistance to remove the following fraud items in my credit XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}.

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 2023-10-17 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2023-10-17 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: FL

Complaint narrative:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX : XXXX. XXXX, 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 2023-10-17 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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

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