vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2024-11-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date** TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Formal Dispute of Incorrect Transaction Demand for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of a transaction reported on my credit file. This reporting violates my rights under **15 U.S.C. 1681i ( 7 ) **, concerning what the procedure was that they used to validate the information.

The transaction in question is as follows : - **Creditor Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX Under this statute, consumer reporting agencies are restricted in how they may use and disclose consumer information. If a transaction is not associated with a permissible purpose or is otherwise unverifiable, it must be promptly excluded from my file.

Additionally, the precedent established in *Dalton XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), supports my demand. In this case, the court emphasized the importance of strict adherence to the permissible purposes outlined in the FCRA. Any deviation from these requirements constitutes a violation of federal law. 

Accordingly, I demand the immediate removal of the disputed transaction unless TransUnion can provide documented evidence of its accuracy and a permissible purpose for its inclusion. Failure to comply will result in further legal action to protect my rights under the FCRA. 

Please respond in writing within the statutory time frame. I expect either confirmation of the deletion or a detailed explanation of the evidence and permissible purpose relied upon. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-11-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Date** XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Formal Dispute of Incorrect Transaction Demand for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of a transaction reported on my credit file. This reporting violates my rights under **15 U.S.C. 1681i ( 7 ) **, concerning what the procedure was that they used to validate the information. The transaction in question is as follows : - **Credito
r Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX Under this statute, consumer reporting agencies are restricted in how they may use and disclose consumer information. If a transaction is not associated with a permissible purpose or is otherwise unverifiable, it must be promptly excluded from my file. 

Additionally, the precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supports my demand. In this case, the court emphasized the importance of strict adherence to the permissible purposes outlined in the FCRA. Any deviation from these requirements constitutes a violation of federal law. 

Accordingly, I demand the immediate removal of the disputed transaction unless XXXX can provide documented evidence of its accuracy and a permissible purpose for its inclusion. Failure to comply will result in further legal action to protect my rights under the FCRA. 

Please respond in writing within the statutory time frame. I expect either confirmation of the deletion or a detailed explanation of the evidence and permissible purpose relied upon. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and inaccurate. I've reached out several times, and the inaction is damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-11-28 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: 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. 

INQUIRIES : XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my credit report I have notice that there are some inaccuracies in the following account XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Credit reporting bureau that's reporting inaccurate information for late payments and close accounts. 
XXXX XXXX XXXX XXXX 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 All reporting on my credit report late payments and closed, and sold to collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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 2024-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I stated that this what I need them to provide to me and he threatened that he was not going to provide these documents listed below. I want a debt validation claim according to 15usc1692g I want these things a detail list Of a payment history on this account. Next I want to see the original signature where I agreed to on this contract for this creditor. Have there been any insurance claims filed of this debt? I want to see the change of title that you all have to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
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 third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capitol One has XXXX accounts on my credit report reported as charge-offs when the IRS canceled both debts. I requested both XXXX XXXX forms, and they denied that they reported them on my credit file when both are listed as charge-offs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-28 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: VA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I obtained a new XXXX XXXX XXXX in XXXX and deactivated my old device, an XXXX XXXX XXXX. I was charged for XXXX on the old device in XXXX, XXXX and XXXX on the device. XXXX refused to refund me. I am unable to dispute the charges because disputes for XXXX get routed from their credit card services to their XXXX team. I am unable to request a refund through another means. Their system omits XXXX as an option. 

My old phone was an XXXX XXXX XXXX. I upgraded to an XXXX XXXX XXXX. When I upgraded the name of my phone remained XXXX XXXX XXXX despite being the XXXX model. Every month my XXXX renewal came up for an XXXX XXXX XXXX and I thought it was for the device I was using because that was its name. 

Additionally, I was unable to get XXXX on my new device, because by time I realized the error, the time frame to sign up for it has passed. 

I was charged for a service I couldnt possibly benefit from, barred from disputing this or requesting a refund from the creditor and prevented from obtaining coverage on my new device.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint against USAA regarding my inability to access my account due to their flawed identity verification process and poor customer service response.

1. Account Locked : My account was locked, and I was instructed by USAA to visit usaa.com/XXXX  ( https : //www.usaa.com/XXXX  ) and usaa.com/XXXX ( https : //www.usaa.com/XXXX  ) to upload my identity documents for verification.

2. Submission of Valid Documents : Following their instructions, I uploaded both my passport booklet and passport card multiple times, ensuring the images were clear and complete. However, their portal repeatedly states, Unable to validate ID or Were having trouble validating your ID photos. Please upload and submit new photos. Despite trying multiple devices, including phones and a computer, the issue persists, making it clear this is a fault on USAAs end.

3. Failure to Verify Using Codes : I also provided the only codes associated with my account : PIN : XXXX Alternate code : XXXX Phone number password : XXXX Despite providing these details, USAA stated they could not verify my account. These are the only codes I have associated with my account.

4. Failure to Resolve the Issue : When I reached out to USAA, they redirected me back to their identity verification portal. However, the portal is clearly faulty and can not validate my identity, even though my documents are valid. This has left me unable to access my account entirely.

Resolution : I need immediate assistance to unlock my account and access my funds. USAA must address and resolve the issues with their identity verification portal, as it is unfair and unacceptable for customers to be locked out due to technical faults on their side.

Please help me ensure that USAA takes prompt action to resolve this issue and provide me access to my account without further unnecessary delays.

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 2024-11-28 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: TX

Complaint narrative:
illegal lates reported on my consumer report in violation of U.S. Code 1666b and U.S Code 1637b XXXX XXXX and XXXX XXXX XXXX XXXX and collection accounts reported on my consumer report without proper validation or consent 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 2024-11-28 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 am submitting this formal complaint to report fraudulent and inaccurate reporting by XXXX XXXX XXXX XXXX regarding an account originally charged off by XXXX XXXX The account in question is : Account Number : XXXX This account was charged off by XXXXXXXX XXXX which took a tax benefit for the loss and then sold the account. I have no contractual obligation to XXXX XXXX XXXX XXXX, and I do not recognize this debt as valid. Therefore, their continued reporting of this account as a debt owed by me constitutes fraud and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : The original creditor, XXXX XXXX, discharged this debt through a charge-off and subsequently received a tax benefit. 
XXXX XXXX XXXX XXXX has failed to provide any documentation proving that this debt is valid or that they have a legal right to collect or report it.

The information being reported does not comply with the accuracy and completeness standards required by the FCRA and Metro 2 guidelines.

Applicable Violations : FCRA 1681s-2 ( b ) : XXXX XXXX XXXX XXXX has failed to investigate my dispute and provide evidence to substantiate the debt.

FCRA 1681e ( b ) : The reporting of this account is inaccurate, unverifiable, and incomplete.

Metro 2 Compliance Standards : The data furnished by XXXX XXXX XXXX XXXX does not meet the required formatting or validation standards. 
Requested Resolution : Investigate XXXX XXXX XXXXXXXX XXXX reporting practices, including their compliance with the FCRA and Metro 2 guidelines.

Require XXXX XXXX XXXX XXXX to provide clear and verifiable documentation of their legal right to collect and report this debt.

If verification can not be provided, direct all credit reporting agencies to delete this account from my credit report.

Provide me with the results of your investigation and details of the actions taken to resolve this matter.

The inaccurate and fraudulent reporting of this account has caused me significant harm, including damage to my credit score and the denial of credit opportunities. I respectfully request your immediate attention to this matter to ensure that my consumer rights are protected.

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