vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-14 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:
My social security was involved in a data breach. Im requesting all information to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX XXXX XXXX XX/XX/year> Experian, Transunion, Equifax Re : Dispute of Liability for Negligence and Noncompliance under Section 1681o Dear CFPB, I hope this letter finds you well. I am writing to formally dispute the claim asserting that I am liable under Section 1681o for negligence and noncompliance in relation to the Fair Credit Reporting Act ( FCRA ). I believe that this accusation is unfounded, and I would like to address the matter promptly.

Section 1681o of the FCRA outlines civil liability for negligent noncompliance with the Act. However, based on my review of the relevant facts, I contend the following : No Negligence : I have acted diligently and in good faith in all interactions relevant to this issue. I have complied with my obligations under the FCRA and have ensured that all actions taken are within the prescribed guidelines. Any discrepancies or issues that may have arisen were neither intentional nor due to negligence on my part.

Compliance Efforts : I have consistently adhered to all required protocols, including the timely submission of any necessary documentation and ensuring that my conduct does not violate any provisions of the FCRA. If any noncompliance is cited, I request clear and specific details, including any supporting evidence that suggests I have failed to meet my obligations.

Request for Evidence : To properly address this dispute, I respectfully request that you provide any and all documentation that substantiates the claim of negligence or noncompliance under Section 1681o. This includes any evidence showing that I have failed to meet the requirements set forth under the FCRA.

Resolution : I am confident that once a thorough review is conducted, any claims of negligence or noncompliance will be shown to be baseless. I ask that you resolve this matter in a timely and fair manner, and I am prepared to cooperate fully to ensure that any misunderstandings are cleared up.

I trust this matter will be resolved quickly and fairly. Please respond within the next [ specify time frame, e.g., 30 days ] with your findings or any additional steps I may need to take. Should you require any further information, do not hesitate to contact me at [ phone number ] or [ email address ].

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Due to this situation, I request a thorough review of the documents I have provided so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: SC

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 2025-02-14 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: SC

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-14 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXXXXXX 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 2025-02-14 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-02-14 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CT

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 2025-02-14 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: EQUIFAX, INC.
State: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XX/XX/XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXX/XX/XXXXXXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00}XX/XX/XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$100.00} XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> at XXXX I was buying concert tickets by a user on XXXX from my local concert group. She never sent me the tickets. I paid {$70.00} through chime pay anyone. I reported her chime account to the bank and they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: AR

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 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello, my XXXX checking was overdrawn due to an oversight and I called in to ask for a fee waiver. I spoke to XXXX different representatives that agreed to waive the fees. The XXXX  rep stated once I made the account positive to call back which I did. The XXXX  representative stated they would waive the XXXX fees and since it was a XXXX XXXX account it would reflect in XXXX hours. I waited for over XXXX hours and called back to be told they weren't going to waive any fees. I feel now they told me to deposit with no intention of waiving the fees. I have a credit card as well and I intended on opening a line of credit but now I'm hesitant because I don't like the bait and switch.

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 2025-02-14 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX XXXX XXXX XX/XX/year> Experian, Transunion, Equifax Re : Dispute of Liability for Negligence and Noncompliance under Section 1681o Dear CFPB, I hope this letter finds you well. I am writing to formally dispute the claim asserting that I am liable under Section 1681o for negligence and noncompliance in relation to the Fair Credit Reporting Act ( FCRA ). I believe that this accusation is unfounded, and I would like to address the matter promptly.

Section 1681o of the FCRA outlines civil liability for negligent noncompliance with the Act. However, based on my review of the relevant facts, I contend the following : No Negligence : I have acted diligently and in good faith in all interactions relevant to this issue. I have complied with my obligations under the FCRA and have ensured that all actions taken are within the prescribed guidelines. Any discrepancies or issues that may have arisen were neither intentional nor due to negligence on my part.

Compliance Efforts : I have consistently adhered to all required protocols, including the timely submission of any necessary documentation and ensuring that my conduct does not violate any provisions of the FCRA. If any noncompliance is cited, I request clear and specific details, including any supporting evidence that suggests I have failed to meet my obligations.

Request for Evidence : To properly address this dispute, I respectfully request that you provide any and all documentation that substantiates the claim of negligence or noncompliance under Section 1681o. This includes any evidence showing that I have failed to meet the requirements set forth under the FCRA.

Resolution : I am confident that once a thorough review is conducted, any claims of negligence or noncompliance will be shown to be baseless. I ask that you resolve this matter in a timely and fair manner, and I am prepared to cooperate fully to ensure that any misunderstandings are cleared up.

I trust this matter will be resolved quickly and fairly. Please respond within the next [ specify time frame, e.g., 30 days ] with your findings or any additional steps I may need to take. Should you require any further information, do not hesitate to contact me at [ phone number ] or [ email address ].

Thank you for your 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 explanation
Consumer complaint received 2025-02-14 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX XXXX XXXX XX/XX/year> Experian, Transunion, Equifax Re : Dispute of Liability for Negligence and Noncompliance under Section 1681o Dear CFPB, I hope this letter finds you well. I am writing to formally dispute the claim asserting that I am liable under Section 1681o for negligence and noncompliance in relation to the Fair Credit Reporting Act ( FCRA ). I believe that this accusation is unfounded, and I would like to address the matter promptly.

Section 1681o of the FCRA outlines civil liability for negligent noncompliance with the Act. However, based on my review of the relevant facts, I contend the following : No Negligence : I have acted diligently and in good faith in all interactions relevant to this issue. I have complied with my obligations under the FCRA and have ensured that all actions taken are within the prescribed guidelines. Any discrepancies or issues that may have arisen were neither intentional nor due to negligence on my part.

Compliance Efforts : I have consistently adhered to all required protocols, including the timely submission of any necessary documentation and ensuring that my conduct does not violate any provisions of the FCRA. If any noncompliance is cited, I request clear and specific details, including any supporting evidence that suggests I have failed to meet my obligations.

Request for Evidence : To properly address this dispute, I respectfully request that you provide any and all documentation that substantiates the claim of negligence or noncompliance under Section 1681o. This includes any evidence showing that I have failed to meet the requirements set forth under the FCRA.

Resolution : I am confident that once a thorough review is conducted, any claims of negligence or noncompliance will be shown to be baseless. I ask that you resolve this matter in a timely and fair manner, and I am prepared to cooperate fully to ensure that any misunderstandings are cleared up.

I trust this matter will be resolved quickly and fairly. Please respond within the next [ specify time frame, e.g., 30 days ] with your findings or any additional steps I may need to take. Should you require any further information, do not hesitate to contact me at [ phone number ] or [ email address ].

Thank you for your 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 explanation
Consumer complaint received 2025-02-14 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: SC

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 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 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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