vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.

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 2024-12-28 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: WA

Complaint narrative:
I am submitting this complaint to demand the immediate removal of unauthorized items related to XXXX XXXX and XXXX XXXX XXXX from my credit report. These items were added without my authorization and remain in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the deletion of information resulting from identity theft or fraud when supported by an FTC Identity Theft Report. My FTC report has already been filed and submitted.

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 2024-12-28 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:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
I am writing to inform you that I have become a victim of a data breach. As a result, I am requesting that the following accounts and inquiries, which were fraudulently opened or made without my consent, be blocked and deleted from my credit report. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information. 
The following items on my credit report are incorrect and should be removed immediately Experian/Equifax/TransUnion

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 2024-12-28 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: GA

Complaint narrative:
Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information. 
The following items on my credit report are incorrect and should be removed immediately Experian/Equifax/TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-12-28 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:
It has been 30 days and these XXXX  loans from XXXX, this account Is still waiting a response from the creditor. Please have this account deleted.

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 2024-12-28 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:
It has been 30 days and these XXXX  loans from XXXX, this account Is still waiting a response from the creditor. Please have this account deleted.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Once again I try to finance something and it gets denied because of a fraud alert experienced once again has put on my account. This the second time they have done this and I had spent hours on the phone trying to get this cleared up. This is ridiculous as the other reporting agency have not done the. Experience will not work with me on the phone and want me to submit my personal information via US mail, which is unsecure form of communication as well it shouldnt need to be done in the first place. They will not allow me to cancel my account with them and are continuing to charge me monthly for credit monitoring on an account I cant even access. I have tried several times both in writing and via the phone to get this resolved and my next step after this is going to be legal proceedings. They also are reporting incorrect information which I can not correct with our access to my account. They need to get this resolved as soon as possible or I will proceed with legal action.

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 2024-12-28 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: GA

Complaint narrative:
Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information. 
The following items on my credit report are incorrect and should be removed immediately Experian/Equifax/TransUnion

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 2024-12-28 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: TX

Complaint narrative:
I have disputed these inquiries several times, requesting documentation that validates my authorization or that I initiated these inquiries. Its persistence on my credit report is a violation of 15 USC 1681n, 15 USC 1681i ( 5 ), and 15 USC 604a section 2. I request that it be removed from my credit report. 
I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NJ

Complaint narrative:
I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NJ

Complaint narrative:
I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.

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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/year>, I received a letter from court that judgement was entered from Discover for me to pay credit card debt in the amount of {$2200.00} because I failed to appear in court on XX/XX/XXXX XXXXDiscover did not follow legal procedures because I was not legally served or not notified that I was being sued by Discover and the judgement amount is inaccurate and different from the amount owed on my credit report which violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: MI

Complaint narrative:
This is in regard to XXXX, Transunion and XXXX. 

This has to do with one creditor only : XXXX XXXX I got into a car accident and the car was a total loss. We luckily had XXXX XXXX. Due to the delay of XXXX  paying off the car loan, I had a missed payment on each credit agency 's report. It made my credit score dip about XXXX points for each credit report. I worked for quite some time with XXXX XXXX to get this corrected. XXXX XXXX finally paid it off and XXXX XXXX removed it from my credit reports. However, my score is not reflecting that correctly on each of my credit reports. I should have had an increase in my score and the agencies say to wait but the account was closed back in XXXX and my credit score should have already reflected it. I have worked hard to increase my credit score and the dip in my score was not my error but by XXXX XXXX. XXXX XXXX corrected it and would like my score to reflect that.

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 2024-12-28 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: MI

Complaint narrative:
This is in regard to Experian, XXXX and XXXX. 

This has to do with one creditor only : XXXX XXXX I got into a car accident and the car was a total loss. We luckily had XXXX XXXX. Due to the delay of XXXX  paying off the car loan, I had a missed payment on each credit agency 's report. It made my credit score dip about XXXX points for each credit report. I worked for quite some time with XXXX XXXX to get this corrected. XXXX XXXX finally paid it off and XXXX XXXX removed it from my credit reports. However, my score is not reflecting that correctly on each of my credit reports. I should have had an increase in my score and the agencies say to wait but the account was closed back in XXXX and my credit score should have already reflected it. I have worked hard to increase my credit score and the dip in my score was not my error but by XXXX XXXX. XXXX XXXX corrected it and would like my score to reflect that.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681 ( s ) -2 ( Any payments during COVID-19 are required to be deferred or forgiven ) 15 U.S. Code 1681 ( 4 ) ( You have a right to privacy.

If you consider your late payments to be private information, they must be deleted from your credit ) 15 U.S. Code 1681 ( a ) ( Any transactions between you and the creditors are required to be excluded from your credit report.

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 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have disputed this many times over the past few years. Charges need to be brought against XXXX debt services. They are violating my rights. They said XXXXXXXX XXXX  Response Thank you for allowing us to address your complaint. Based on our investigation of your account, we are no longer pursuing you for the balance. We have requested removal from your credit report. However, please note that each credit bureau operates under its own set of standards and timelines as to when they update the information provided by data furnishers, so as a result, this change may not be reflected simultaneously across all bureaus. If you have any other questions or concerns regarding the account, please reach out to an account representative at XXXX. 
DESCRIPTION OF NON-MONETARY RELIEF We have released the consumer from the account in our office and are no longer pursuing the consumer for the balance. 

However, the collection is still on my credit report. They have not verified it was actually me. I never lived at the hawthorne. I've never even been to the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding Wells Fargo Bank 's inadequate handling of a dispute on my account. 

On XX/XX/year>, a transaction of {$41.00} appeared on my account from XXXX XXXX I contacted Wells Fargo to dispute this charge, as I do not recognize it. Despite providing all necessary details and evidence, Wells Fargo has failed to resolve the issue appropriately or communicate effectively about the status of my dispute. 

The bank 's handling of this matter has been disappointing, lacking transparency, urgency, and proper resolution. This has caused undue stress and inconvenience, as I rely on the integrity of my bank to safeguard my finances. 

I am requesting CFPBs assistance in addressing this matter. I expect Wells Fargo to provide a thorough investigation of the transaction, issue a refund if deemed unauthorized, and ensure better handling of customer disputes moving forward. 

Attached are relevant documents, including the transaction details. I appreciate your attention to this issue and look forward to your assistance. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-12-28 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation