vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you

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 2024-11-27 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit file that I believe were impacted by a data breach. As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to have the accounts in question blocked and permanently deleted from my credit report.

The following accounts are the subject of this request : 1. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$28000.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$2800.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$8100.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit file that I believe were impacted by a data breach. As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to have the accounts in question blocked and permanently deleted from my credit report. 
The following accounts are the subject of this request : XXXX. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$28000.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$2800.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$8100.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit file that I believe were impacted by a data breach. As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to have the accounts in question blocked and permanently deleted from my credit report. 
The following accounts are the subject of this request : XXXX. XXXX  XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Bankruptcy Account # XXXX ( Filed : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$28000.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$2800.00} ) XXXX. XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$8100.00} ) XXXX. XXXX XXXX Account # XXXX ( Opened : XX/XX/XXXX, XXXX : {$0.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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 am writing to inform you that I am a victim of a data breach and as a result, a fraudulent account has been added to my credit file. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent account be blocked and deleted from my credit report : Fraudulent Account to Be Blocked and Deleted : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Ref : savings account ending in XXXX XX/XX/year> : I opened a savings account with XXXX ( XXXX XXXX ) via a mobile device. I transferred {$100000.00} from XXXX XXXX to initiate the account. 
After completing the transfer I attempted to log into the account via the mobile app only to receive an error stating the password was incorrect. I used the copy-and-paste method. This failed repeatedly. 

XX/XX/year> : I called the customer service line to seek assistance with access to my savings account, I have not been able to see or make any confirmation that my money is safe at this point. I was told that I would need to open a technical ticket to have someone internally assist with the issue. A representative is to call me back with a resolution. 

XX/XX/year> : I have not heard from the bank and am still unable to gain access to my funds. The account is locked. I called customer service and was told that my ticket was still being worked on. I asked for a timeline for a resolution and was told that they can not provide that. Once this is resolved, I will get a call. I asked for a supervisor and denied it. I asked for an escalation path and was denied. I was told that there is nothing they can do. I asked to speak with a technical person and was told that this is not possible as they are internal. 

In summary, I have no access to my funds and no other recourse. Please help 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 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

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 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 2024-11-27 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:
This is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: LA

Complaint narrative:
Inquries and Account reported on credit report does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Payed off lease in full last XXXX. Hyundai Motor Finance said they sent it to wrong address. Requested Duplicate title. XXXX later nothing came. Company said they requested again. Nothing arrived. Called again and Hyundai Motor Finance said it was not processed properly last time, send email to " XXXX XXXX  '' told me to wait yet again. Its been a year now I can XXXX XXXX my payed off vehicle since i can not re-new the registration since the XXXX requires a the title.

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 2024-11-27 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: WA

Complaint narrative:
I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
This is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.

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 2024-11-27 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:
This is my second time writing this issue. I sent your company a claim last month XX/XX/year>, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.

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 2024-11-27 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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  has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generall, 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 ( ii ) 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 suppose to 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 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 2024-11-27 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: NY

Complaint narrative:
It's my second time writing this complaint. The accounts that were fake were explicitly mentioned in the claim I made to your organization last month XX/XX/year>. As a result, there are still accounts on my credit report that shouldn't be there.

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 2024-11-27 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:
It's my second time writing this complaint. The accounts that were fake were explicitly mentioned in the claim I made to your organization last month XX/XX/2024. As a result, there are still accounts on my credit report that shouldn't be there.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually accounts that belong to me. 

XX/XX/XXXX, amounts {$620.00} tried to dispute by me, company still reporting XX/XX/XXXX, amounts {$640.00} tried to dispute XX/XX/XXXX, amounts {$250.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$600.00} account closed by company XX/XX/XXXX, amounts {$0.00} transferred to another lender by company XX/XX/XXXX, amounts {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$25.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$18.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} no action taken XXXX XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} closed by XXXX XXXX XX/XX/XXXX XXXX amounts {$0.00} closed by company XX/XX/XXXX, amounts {$0.00} closed by 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 2024-11-27 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: WA

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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