vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: CT

Complaint narrative:
I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all 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 2024-03-26 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:
I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard.

Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all 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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. Experian and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Clarity, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CORELOGIC INC
State: NY

Complaint narrative:
On XX/XX/2024 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, Credo, XXXX, XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
Fraudulent charges were made to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NJ

Complaint narrative:
Fraudulent charges were made to XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
I have 2 inquires on my credit report that are unathorized and need to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account 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 2024-03-26 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: PR

Complaint narrative:
I have not opened any student loan account in XXXX My student loan accounts were paid in full on XX/XX/2024. I have not authorized any student loan disbursements with my name. If otherwise, please send me the lender 's contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is XXXX to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: PA

Complaint narrative:
Starting XX/XX/2023, Ive been misled about daily Pay. From the beginning they stated that they only took out transfers fees. Nothing more. I recently viewed my gross pay w my employer and daily pay. It was totally off. Also I have counted my hours and financial reports to the penny. Still it is different from my original paycheck. This morning i withdrew XXXX out of my daily pay account which left me with a balance of XXXX $ and some change. An hour later its gone. This has happened numerous times.I reached out to them, received a run around.I requested to speak w a supervisor numerous times. Daily pay stated that they had no supervisor and only the clerk can help. At this point I am asking for daily pay to be investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2024 XXXX charges totaling XXXX appeared on my account. I tried calling the merchant but got no where. I completed XXXX XXXX 's dispute form and sent it to them twice. No reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
In XX/XX/XXXX, I reviewed my Equifax credit report and realized that there was and is incorrect information. I sent the first XXXX letters to Equifax on XX/XX/XXXX to request the elimination of accounts XXXX '', XXXX '' and XXXX '', gave them 30 days to delete the accounts and they responded that the information was correct and they did not delete anything I sent them a second letter on XX/XX/XXXX where I told them that I was giving them 15 days to show me how they verified those accounts and that if they did not have a way to prove then they should delete my accounts because they are destroying my credit. 
They responded again asking me to send them proof of address and a copy of my social security number. 
I sent them what they requested on XX/XX/XXXX and after 20 days they responded saying that " we could not verify your information, please send proof of address and a copy of the social security again, '' and they sent it to them. I sent again on XX/XX/XXXX. It should be noted that they can not verify my address but Equifax sends me letters to the address where I live, that makes no sense whatsoever that they ask me to verify the address twice. 
Since XX/XX/XXXX, I have been disputing with Equifax and they do not resolve anything, they do not want to resolve anything. 

According to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to XXXX XXXX XXXX this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
. I have been in disputes with Nelnet and XXXX Credit Bureau since XX/XX/2023. Nelnet is still reporting that I owe them for student loans when in fact my accounts were transferred to XXXX. XXXX has disregarded my request to investigate this issue. My credit report is currently stating I owe the exact amounts to both, Nelnet XXXX XXXX, for student loans. Ive contacted Nelnet numerous times and they claim they would update the information. Nelnet has acknowledged that I do not owe them any funds as my accounts was transferred to XXXX. My credit has been drastically affected from this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be in accurate under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerned the individual about whom the report relates, This account was charged off XXXX XXXX since then, the account has been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. They have failed to investigate this account properly and the neglect has violated my rights. I am demanding a deletion of the account.

15 U.S. code 1681i ( 5 ) treatment up in accurate or unverifiable information in general, if after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency, XXXX promptly delete the item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my report immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be in accurate under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerned the individual about whom the report relates, This account was charged off XXXX XXXX since then, the account has been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. They have failed to investigate this account properly and the neglect has violated my rights. I am demanding a deletion of the account. 
15 U.S. code 1681i ( 5 ) treatment up in accurate or unverifiable information in general, if after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency, XXXX  promptly delete the item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my report immediately. 

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
TDBank extended credit to an identity thief in Michigan ( I reside in Colorado and have never been to Michigan ). The identity thief presented a fake Michigan drivers license to TDBank ( as confirmed by XXXX XXXX ). The Identity thief then used the credit to make a {$9900.00} purchase in XXXX, Michigan. 



The photo of the Identify thief on the fake drivers license shows she is XXXX XXXX, while I am Caucasian, and I sent TD Bank a copy of my drivers license. The identity thief used my former marriage last name which I have not used in over ten years and legally changed on all my documents-- including my drivers license, social security card and passport. 



Despite all of this information being provided to TD Bank, it has clearly failed to conduct a reasonable investigation, merely responding that the sales receipt was signed ( by the identity thief! ) so I am responsible. The thief used the false ID for credit from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all of whom reversed the charges as fraudulent. Only TD Bank refuses.

Company response to consumer: Closed with explanation