vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have already reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly due to its negative impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-20 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: LA

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have already reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly due to its negative impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( 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 2024-06-20 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: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( 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 explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 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:
Equifax continues to report inaccurate information on my credit report after I request verification. Under the FDCPA, you can not reports inaccurate information without proper validation which includes documentation to support your claim. This is causing me daily stress and frustration. It is also not allowing me to get approved for any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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:
XXXX continues to report inaccurate information on my credit report after I request verification. Under the FDCPA, you can not reports inaccurate information without proper validation which includes documentation to support your claim. This is causing me daily stress and frustration. It is also not allowing me to get approved for any 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After checking my credit report again. There are multiple inaccuracies and incorrect information being published without consent and it is preventing me from gaining a suitable home or job. Rules and CFPB and FCRA means nothing it seems to these Credit Agencies not bureau. See attachments. XXXX XXXX stated they do not have to provided me with anything. Ive disputed these items numerous times. Take them Off and come back 2 years later. 
My information should be protected and correct.

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 2024-06-20 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: NY

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-20 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: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 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: OK

Complaint narrative:
I previously submitted complaints to cfpb on XX/XX/year> about this inaccurate account, XXXX XXXX, no account number given, that is incorrectly showing on all three reporting agencies. My claim numbers are as follows : XXXX XXXX XXXX XXXX Trans Union XXXX Prior XXXX XXXX above-mentioned complaints, I had contacted all three credit reporting agencies twice regarding this inaccurate XXXX  account, making the XX/XX/year> cfpb complaint my third attempt to correct the inaccurate information. 

Each time I have contacted these three credit reporting agencies, I have provided all proof that XXXX XXXX never validated this debt. 

As of today, XX/XX/year>, the inaccurate account in question, XXXX XXXX, has been updated to closed with a balance on XXXX and Trans Union. This is still incorrect. 

XXXX is still showing the XXXX account as a current open collection account. 

The reported information is not consistent with all three agencies, and XXXX XXXX has also never proved that they ever validated this debt. 

I am again, for the fourth time now, providing proof that XXXX XXXX never validated this debt. All proof of what I have said above is attached. 

Because of the reasons mentioned above, all credit reporting agencies must delete the XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2024-06-20 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: OK

Complaint narrative:
I previously submitted complaints to cfpb on XX/XX/year> about this inaccurate account, XXXX XXXX, no account number given, that is incorrectly showing on all three reporting agencies. My claim numbers are as follows : XXXX XXXX Experian XXXX XXXX XXXX XXXX Prior XXXX XXXX above-mentioned complaints, I had contacted all three credit reporting agencies twice regarding this inaccurate XXXX  account, making the XX/XX/year> cfpb complaint my third attempt to correct the inaccurate information. 

Each time I have contacted these three credit reporting agencies, I have provided all proof that XXXX XXXX never validated this debt. 

As of today, XX/XX/year>, the inaccurate account in question, XXXX XXXX, has been updated to closed with a balance on XXXX and XXXX XXXX. This is still incorrect. 

Experian is still showing the XXXX account as a current open collection account. 

The reported information is not consistent with all three agencies, and XXXX XXXX has also never proved that they ever validated this debt. 

I am again, for the fourth time now, providing proof that XXXX XXXX never validated this debt. All proof of what I have said above is attached. 

Because of the reasons mentioned above, all credit reporting agencies must delete the XXXX XXXX account 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing 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 non-monetary relief
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing 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 2024-06-20 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: NC

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-20 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: NC

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 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.

Complaint narrative:
Reporting Equifax for complete Mix-up of my credit file over last 3 years and more. As of now I still have multiple people being reported into my file incorrectly. Called Equifax multiple times starting XXXX XXXX and spent hours waiting to be connected, agents were not able to provide accurate insights on how the information is incorrect on my file with multiple names, addresses, accounts and mortgage being reported. I asked them to setup a flag to notify me for any such changes which they say they did but I never received any notifications.

After doing my own research I put in my first dispute request on XX/XX/XXXX XXXX. Provided all personal documents they asked for on their dispute form. It never received any response in 6 months. I followed up twice in that duration. More inquiries kept adding on my profile in the meantime. 

Second dispute request was filed on XX/XX/XXXX XXXX ; after I had a call with agent and made sure they will treat this dispute with care and make changes. They provided comfort over call that they will take necessary actions but I still see tons of incorrect information shown on my credit history.

After spending so much time and energy to fix a mess I didn't make ; I am still in mud left with a large chunk of my credit used with none to use for myself. The entire credit bureau system needs an overlook.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to bring to your attention a series of ongoing fraudulent charges that have been appearing on my banking account with Wells Fargo. Despite my repeated attempts to address these unauthorized transactions through the proper channels, I have yet to receive reimbursement the funds that have been unlawfully taken from my account. 

The fraudulent activities have been persistent, spanning from the years XXXX to XXXX and originating from various financial apps accessed through my stolen XXXX, which was compromised in several data breaches involving my financial accounts. As a result of these unauthorized transactions, my Wells Fargo bank account was ultimately closed due to the excessive number of fraudulent charges that were incurred. 

Despite my diligent efforts to dispute these charges with the customer service fraud department at Wells Fargo when they initially occurred, the response I received indicated that the volume of charges exceeded a certain threshold, necessitating the closure of my account. This decision was made despite my compliance with the dispute procedures outlined by Wells Fargo. 

Taking immediate action, I promptly filed police reports to document the fraudulent activity resulting from both the robbery and the data breaches that compromised my financial security. I have provided Wells Fargo with detailed evidence, including bank statements highlighting all unauthorized charges and references to the respective police report numbers ( Robbery : XXXX ; Data Breaches : REPORT NUMBER : XXXX ) to support my claims. 

Even after being issued multiple replacement debit cards, my banking account continued to be compromised as a consequence of my phone 's involvement in the data breaches. This ongoing situation has caused significant distress and financial harm, for which I seek resolution. 

Therefore, I kindly request that Wells Fargo conducts a thorough investigation into these fraudulent charges and expeditiously reimburses me for all unauthorized transactions that have plagued my account. 

Your prompt attention to this matter and timely resolution of this issue would be greatly appreciated. I expect a swift response acknowledging the receipt of this complaint and outlining the actions that will be taken to address this critical matter. 

Thank you for your immediate attention to this urgent issue

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 2024-06-20 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: NY

Complaint narrative:
I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NC

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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 understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
I have been using cash app as my primary banking account. On XX/XX/year> I received messages stating my phone number was unlinked from my account. Shortly after my account had XXXX funds. It stated a payment was made to a person I do not know in the amount of {$940.00}. That was all of the money I had in the account. The cash app tag for the person it was sent to was pickpocket. I do not know this person and did not send this money. I provided cash app with proof and my disputes were denied. I would not send anyone the entirety of my money let alone someone I dont know and why would I send it to someone with a clear scammer cash tag.

Company response to consumer: Closed with explanation