vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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:
As a consumer who takes pride in maintaining a responsible financial profile, I find it deeply troubling to report that despite submitting comprehensive documentation and police reports to XXXX, XXXX, TransUnion, and XXXX regarding fraudulent accounts on my credit report, as well as over 120 inquiries over the past couple of years, no substantial action has been taken to rectify these issues. This lack of response not only undermines my trust in these credit bureaus but also indicates a flagrant disregard for their duty to protect consumers like myself. Furthermore, their inaction constitutes a clear violation of my rights as a consumer and flies in the face of federal laws and acts established specifically to safeguard consumers from such injustices. It is imperative that these agencies uphold their responsibilities and take immediate and effective measures to rectify these errors, restore the integrity of my credit report, and prevent similar occurrences in the future.

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 2024-03-16 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:
As a consumer who takes pride in maintaining a responsible financial profile, I find it deeply troubling to report that despite submitting comprehensive documentation and police reports to Experian, XXXX, XXXX, and XXXX regarding fraudulent accounts on my credit report, as well as over XXXX inquiries over the past couple of years, no substantial action has been taken to rectify these issues. This lack of response not only undermines my trust in these credit bureaus but also indicates a flagrant disregard for their duty to protect consumers like myself. Furthermore, their inaction constitutes a clear violation of my rights as a consumer and flies in the face of federal laws and acts established specifically to safeguard consumers from such injustices. It is imperative that these agencies uphold their responsibilities and take immediate and effective measures to rectify these errors, restore the integrity of my credit report, and prevent similar occurrences in the future.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Persistent Issue Accessing Equifax Credit Report Immediate Resolution Required Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding ongoing issues I have experienced with Equifax. Despite multiple attempts to resolve the situation directly with them, I have been unable to access my online credit report for nearly seven months, which has caused significant inconvenience and concern regarding my financial oversight capabilities. 

On XX/XX/ 2024, after initially discovering that my credit report was unavailable online, with the system displaying a " credit report unavailable '' message, I contacted Equifax 's customer service for assistance. I was assured that a technical ticket had been created and that their technical team would reach out to me with a resolution. Unfortunately, despite this assurance, I received no further communication or update on the matter. 

Given the lack of response, I reached out to Equifax again on XXXX XXXX, 2024, in hopes of escalating the issue and finding a resolution. Once more, I was informed that a technical ticket had been issued and was promised an email response from the technical team within 48 hours. Regrettably, this time frame has elapsed without any form of communication from Equifax, leaving me without access to my credit report and without any explanation or solution. 

This ongoing inability to access my credit report online is not only frustrating but also alarming, as it hampers my ability to monitor my credit health and address any potential issues proactively. The lack of response and resolution from Equifax further exacerbates the situation, undermining my trust in their ability to safeguard and manage my personal financial information effectively. 

Thank you for your attention to this matter. I am eager to see a swift and satisfactory resolution. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX and Equifax, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and Equifax have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS.

Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with Experian and XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in XXXX XXXX. XXXX and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and XXXX have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.

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 2024-03-16 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:
The guidelines mentioned under 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibit the furnishing of any information that is known or believed to be inaccurate. Yet, contravening the law has become a frequent occurrence with these reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16 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 am writing to express my profound dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous communications and promises of resolution, the unauthorized charges persist, causing me significant distress and inconvenience. 

Not only have these unauthorized transactions caused financial strain, but they have also consumed an excessive amount of my time and energy in repeated attempts to address the issue. Moreover, the uncertainty and anxiety surrounding the security of my account have had a profound impact on my overall confidence in your company 's ability to safeguard my interests. 

I demand immediate and decisive action to rectify this situation. I expect a thorough investigation into the root cause of these unauthorized transactions and concrete steps taken to prevent their recurrence in the future. Furthermore, I insist on a full refund of all fraudulent charges incurred, along with appropriate compensation for the inconvenience, stress, and time wasted as a result of this ordeal. 

Please provide me with a detailed plan of action, including timelines for resolution and ongoing updates on the progress made. Restoring my faith in your company 's commitment to customer satisfaction and security is paramount, and I eagerly anticipate your swift response and resolution to this matter. With this, I am asking for your assistance to remove these fraud items in my credit 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

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 2024-03-16 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:
XXXX has put inaccurate Fraudulent information on XXXX, Experian XXXX credit reports and have not removed them after I disputed them countless times I never agreed to pay them anything I never opened up an account with them and I never used their account that's posted on my reports They have websites that track or store or share way too much of our information without our consent or knowledge and don't have a way for US to have more control so no they are asking way too much and then they have Data Breach lawsuit and have been accused of posting inaccurate incomplete or Fraudulent accounts on people 's credit reports I won't them to STOP and Remove Themselves from my credit report not to post on my credit reports any more Just because these Data Bases share Our Social Security Numbers or Names and Address with each other or sell it without our consent or knowledge it doesn't mean We should have to suffer with the rejection these post cause us to end up with for rent Mortgage and what ever

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 2024-03-16 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: NC

Complaint narrative:
i recently logged into my Experian credit file to see a fraudulent XXXX XXXX account reporting in my credit profile, this fraud account appears to have outdated data and not been updated in 2.5 years, i've made several attempts for an investigation from Experian, within minutes after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.

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 2024-03-16 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 am a victim of identity theft please remove this fraud inquiry 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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Yes Im the trustee XXXX, Ive been involved with human trafficking. Ive been lost at sea. 

I dont know how much longer XXXX be on shores, I just found this communication device, ohh XXXX, here they come, got ta run.

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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2024 I closed my account with XXXX  XXXX XXXX ( XXXX ) which issued a check ( copy attached in files below ) of my remaining funds and was sent to me through mail. I deposited the check into my chase account ( deposit receipt attached in files below ) on XX/XX/2024. The funds were delayed for 10 days as it is the norm. On XX/XX/2024, the funds were cleared however a hold was placed on the funds by Chase pending an investigation which involved Chase reaching out to XXXX to confirm the funds. Chase informed me that they require a " receipt of indemnification '' form from XXXX to conclude their investigation and release my funds. I visited a XXXX  branch and they were able to provide me with a receipt of the check showing all the information ( copy attached in files below ) as well as my bank statements showing that the funds did come from my account however they told me that they never provide indemnification forms or even know why Chase would be withholding my funds because the funds had already left their accounts at that moment and they couldn't do much to help. Since then it has been back on forth between Chase and XXXX. I set up an appointment with a Chase manager on XX/XX/2024 to discuss what other solutions were available for me. They kept requesting the same document as before. I then set up another appointment with XXXX on XX/XX/2024. The new manager informed me he would put in a request with the back office for the receipt of indemnification and that it should be ready XXXX days later on XX/XX/2024. It wasn't ready on the XXXX and they informed me to return the next day XX/XX/2024. When I returned, they provided me with their account closure department number and advised me to call the number and they will instruct me on what to do next. When I called, XXXX informed me that the best way they can help me is for Chase to reject the check and return the funds to the original creditor ( XXXX  ) and that they will reissue me the check and that they can't do much more because the funds had already left their account and that it is Chase who has suspended the funds. However, whenever I reach out to Chase, I am informed that they can't move on with their investigation to release the funds without receiving a receipt of indemnification form from XXXX and the funds will be suspended indefinitely without knowing the final date. XXXX also provided me with their check verification phone number for Chase to call and verify the check and the funds. I provided the number to Chase but I do not know why they wont call them to verify. XXXX keeps assuring me that the funds have already cleared from their end and that it is Chase that is holding these funds and they aren't exactly sure why. These are my savings and I need them to pay bills and support my family. Please help! I have been back and forth between these XXXX banks with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
They say I owe {$650.00}. However their accountant for the original collector from ( XXXX XXXX XXXX XXXX ) can not find any debt I owe. I keep disputing because they told me to dispute it on my credit report and the credit bureaus keep telling me its correct and its not so I need help

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 2024-03-16 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: TX

Complaint narrative:
The name of the account is XXXX. They continue to report false information to all 3 credit agencies. This account was closed and paid in full in 2019. This account was never late nor does my credit report reflect late payments. Yet XXXX has continued to illegally report false information. They had a system wide purge and have zero record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.

Company response to consumer: Closed with explanation