vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: WI

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Equifax for failing to remove an inaccurate bankruptcy entry from my credit report, despite my dispute submitted on XX/XX/year>. This dispute included supporting evidence from the United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin confirming that the court does not report bankruptcy filings to credit reporting agencies. 

On XX/XX/year>, I sent Equifax a written dispute requesting the removal of a bankruptcy entry from my credit report. Along with my dispute, I provided a letter from the United States Bankruptcy XXXX XXXX XXXX of Wisconsin. This letter confirms that the court does not report bankruptcy filings to Equifax or any other credit bureaus. 

Equifax has not removed the bankruptcy entry, nor have they provided documentation verifying its accuracy or legitimacy. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate disputes thoroughly and ensure the information on my credit report is accurate and verifiable. 

The bankruptcy entry on my Equifax credit report is inaccurate and unverifiable. XXXX failure to investigate properly and verify the information violates my rights under the FCRA and is causing ongoing harm to my creditworthiness. 

I request the XXXX intervention to ensure that Equifax : XXXX my dispute and verifies the bankruptcy entry directly with the United States Bankruptcy XXXX XXXX XXXX of Wisconsin. 
Removes the bankruptcy entry if it can not be validated with court-certified documentation. 
Provides written confirmation of the resolution and sends me an updated copy of my Equifax credit report. 

I have included : A copy of my original dispute to Equifax dated XX/XX/year>. 
Confirmation from the United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin stating that it does not report bankruptcies to credit bureaus. 
A copy of my Equifax credit report showing the inaccurate bankruptcy entry. 

This inaccurate bankruptcy reporting by Equifax is damaging my credit profile and creating unnecessary financial difficulties. Equifax must comply with the FCRA by ensuring the accuracy and verifiability of all reported information. 

Thank you for your attention to this matter. I trust that the CFPB will ensure Equifax fulfills its legal obligations and corrects this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: VA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report A fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ThIS fraudulent account consist of a auto loan account ThIs account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, Subject : Request for Removal of Closed Account I am writing to formally redispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information submitted to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report and has discrepancies that warrant removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account fails to meet Metro 2 compliance standards for one or more of the following reasons : - Accuracy : The account may contain incorrect dates, balances, or status that do not match my records. 
- Completeness : There is incomplete information regarding this closed account, which misrepresents my creditworthiness.

According to 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I request that this closed account entry be deleted from my report within 30 days. If this matter is not resolved satisfactorily, I will consider taking further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MA

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 non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX complaint to the CFPB is being submitted to request that Experian, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX  - Account XXXX XXXXXXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX  - Account XXXX XXXXThese fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade Commission.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXXThis complaint to the CFPB is being submitted to request that Equifax, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX  - Account XXXX XXXX XXXX  - Account XXXX XXXXXXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade CommissionXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not approve this inquiry, nor did I have any conversation with this lender on the given date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I order groceries through XXXXXXXX XXXX  I never received the order. Any parts of the order! Driver never came to my door but stated they made the delivery. Was on the phone with XXXX for several hours & I can provide proof. XXXX stated they can not give me a refund due to not enough evidence. The evidence is the picture the delivery driver posted as my order. It should have been a picture of the {$170.00} grocery order in front of my door instead it was a picture of a white blank screen. I filed my claim with the bank advising them I did not receive the order & provided all the evidence. Bank wrote me a week later stating if they dont receive supporting documentation they will close my case. I call the bank & asked if they had my supporting documents & I was advised yes. I proceeded to submit it again, just in case. A week later claim was denied. I reopen the claim & was advised that they will attempt to reach out to the merchant XXXXXXXX XXXX XXXXXXXX. After waiting the allotted time I was advised by a supervisor my claim was denied again & I asked about them speaking with the merchant or visa as I was advised that is what theyre waiting on to go forward with my claim. Supervisor advised they did not do any of those actions. I asked for a reason why my claim was denied & havent received it. The emails I do receive the link doesnt work & Ive called to asked for help with it or a paper copy sent via mail & they advise they will do it & dont. I have been denied again. Ive tried to go to the police they stated it was a civil matter. I dont know what to do almost {$180.00} dollars worth of groceries was stolen from me & my family & no one is helping to get my money back. The economy is bad & that sent me back because I actually had to spend more money to buy food for my family or we would have starve which cause me to be behind on bills currently. In times like this something like that can really impact someone back & XXXX or my bank have not tried to help. I really need assistance because I didnt receive any part of that order & I have proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: OH

Complaint narrative:
Incorrect Information to Be Removed : - **Incorrect Names XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Correct Information to Be Reported : - **Full Name** : XXXX XXXX XXXX XXXX - XXXXCorrect Date of Birth** : XX/XX/year> - **Correct Social Security Number** : XXXX - **Correct Address** : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I am filing this complaint to address the presence of fraudulent accounts and inquiries on my credit report due to identity theft, which I believe is connected to the XXXX data breach. As a victim of identity theft, my personal information was compromised without my consent, resulting in the unauthorized use of my information to open accounts and initiate credit inquiries. 

ACCOUNTS : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ] Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the right to have all fraudulent information resulting from identity theft removed from my credit file. I have provided XXXX with a valid identity theft report and the required documentation to support my dispute, as mandated by this law. However, XXXX has failed to promptly and properly remove the fraudulent accounts and inquiries as required by law. 

This violation not only disregards my rights under the FCRA but also exacerbates the harm caused by the XXXX data breach. I am requesting immediate action from the CFPB to ensure compliance with federal law by XXXX, including the removal of all fraudulent accounts and inquiries from my credit report and ensuring no further harm results from this data breach. 

Attached to this complaint, I have included : 1. My identity theft report.

2. Supporting documentation such as correspondence with XXXX. 


3. A list of fraudulent accounts and inquiries appearing on my credit report. 



I respectfully request that the CFPB investigate this matter and hold XXXX accountable for its obligations under FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: VA

Complaint narrative:
I am doing a follow up on the dispute I put in I received a email stating transunion was dealing my block for the money lion account. I had did a complaint on the money lion account on the XXXX for identity theft. I called and spoke with money lion myself and they stated they did not have XXXX account from me and that I had to dispute with the credit bureaus. I did exactly that and they are declining the block I have the conversation recording from me and money lion. I verified everything and informed them they were reporting my credit they stated they have no account of me and to dispute with credit agencies since it's on my report. Transunion is not following the law set in place and this is still on my credit. I have recently called XXXX XXXX to see about the information being reported on my credit and they told me to do this! Per fcra law- A copy of section 605b of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Incorrect Address

Company response to consumer: Closed with non-monetary relief