vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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 writing to report unauthorized activities on my credit report. Specifically, I have identified an auto loan and multiple credit inquiries that I did not authorize. 

XXXX. Unauthorized Auto Loan : Lender : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} This loan was opened without my knowledge or consent. I request the removal of this account from my credit file immediately. 

XXXX. Unauthorized Credit Inquiries : XXXX - XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX - Date XXXX XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX These inquiries were made without my authorization. I request that these inquiries be removed from my credit profile. 

These unauthorized activities have negatively impacted my credit score and caused significant distress. I seek the CFPBs assistance in resolving these issues promptly by contacting the companies involved and ensuring that these unauthorized entries are removed from my credit report. 

Thank you for your prompt attention to 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 2024-07-04 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 am writing to report unauthorized activities on my credit report. Specifically, I have identified an auto loan and multiple credit inquiries that I did not authorize. 

XXXX. Unauthorized Auto Loan : Lender : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} This loan was opened without my knowledge or consent. I request the removal of this account from my credit file immediately. 

XXXX. Unauthorized Credit Inquiries : XXXX - XXXX : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX These inquiries were made without my authorization. I request that these inquiries be removed from my credit profile. 

These unauthorized activities have negatively impacted my credit score and caused significant distress. I seek the CFPBs assistance in resolving these issues promptly by contacting the companies involved and ensuring that these unauthorized entries are removed from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: OH

Complaint narrative:
I want to inform the Credit Bureaus once again that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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: OH

Complaint narrative:
I want to inform the Credit Bureaus once again that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-04 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: CT

Complaint narrative:
FACTUAL DISPUTE - REPEATED CHARGE-OFFS, FROM MONTH TO MONTH A charged-off account should NOT include an active payment history. " This is inaccurate information falsely manipulates the statute of limitations ''. EXPERIAN has failed to investigate this account properly and their neglect has " violated my rights ''. 

This is illegal, which updates the statute of limitations to " extend and " re-aging the account, which is illegal '' XXXX XXXX XXXX Account number 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 2024-07-04 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: AZ

Complaint narrative:
I am submitting in response to your recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient effort was made to contact the creditors/agencies reporting this information on my report. Therefore, I am now requesting more information regarding the specific accounts in question : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$32000.00}. As stated previously, under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the individuals or entities you contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from the receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated as per Section 1681i ( a ).

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 2024-07-04 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: TX

Complaint narrative:
I am writing to follow up on the unresolved issue regarding the inaccurate reporting of late open accounts on my credit report. I am deeply frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that the late open account is accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me correct the account : XXXX XXXX XXXX  XXXX Balance : {$7200.00}.

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 2024-07-04 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: TX

Complaint narrative:
I am writing to follow up on the unresolved issue regarding the inaccurate reporting of late open accounts on my credit report. I am deeply frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that the late open account is accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me correct the account : XXXX XXXX XXXX  XXXX Balance : {$7200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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 writing to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-07-04 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:
After losing my wallet with social security card and Driver 's license I have check on my credit reports and notice hard inquiries that I did not give permission to pull credit reports attmepting to get credit.

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 2024-07-04 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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:
On XX/XX/year>, I electronically submitted a request to remove adverse information from my credit report as the information is a result of my being a victim of human trafficking. I provided Equifax a signed self-attestation form, a letter containing the adverse information to be removed, and proof of identity. 

On XX/XX/year>, I received an email from Equifax requesting the same documents I'd previously submitted on XX/XX/year> in order to process my request. Within this email, I was asked to mail the documents to their office in XXXX. 
On the same day, XX/XX/year>, I received a letter from Equifax ( electronically ), stating that my request had been declined and that they'd attempted to resolve deficiencies within my submission by sending me XXXX notices prior to the decision. I did not and could not have received XXXX notices in such a short period ( within the day ). 

On XX/XX/year> at XXXX, I called Equifax and spoke with someone who claimed to be within the human trafficking unit of the bureau. I asked why my request had been declined. The representative stated that he could not tell me why the request had been declined and spoke to me quite dismissively. After the call, I decided to mail the documents to Equifax despite the decline of my request. 

As of XX/XX/year>, I have not received further communication from Equifax. 

I'm concerned that Equifax did not take my request seriously. Equifax did not block my adverse information within 5 days of receiving my request, nor did they allow me a reasonable amount of time to respond to their request to mail in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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 am writing to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

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 2024-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My credit was ran multiple times without my consent by different lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is to follow up on the unresolved issue regarding the inaccurate reporting of fraudulent items on my credit report. I am very frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that these items are accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me remove the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX - XX/XX/year> ; XXXX - XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: WI

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-04 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:
I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief