vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: FL

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Remove and delete these unauthorized inquires immediately 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MA

Complaint narrative:
*On XX/XX/XXXX, I needed to access my credit freeze. I couldn't log in via Experians IVR system or website, my ID/PW was not accepted. 
*I attempted to utilize Experians " Forgot Password '' and " Forgot User Name '' functionality in addition to standard login. Each time I received " Sorry, but that didn't match up. Please try again. '' *In Experians IVR system, when I requested to speak to a representative the system wouldn't allow it ; multiple attempts were made. 
*I 've sent 2 emails to the email address provided on the Experian website ( XXXX ). I have not received a reply. 
*I have a credit freeze with both XXXX and XXXX XXXX All three were opened at the same time and I have no issues with XXXX and XXXX. Their service works great.

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 2024-05-21 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: FL

Complaint narrative:
The inquires remain on my credit report!!! 
XXXX and equifax arent fixing my issue!!!!!! They both closed out my inquiry dispute and nothing was removed!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
So, I continue to fight with this company about this debt that does not belong to me. They send me billing statements that at an address that I never lived at, from as far back as XXXX. I am XXXX XXXX XXXX, I have a son XXXX XXXX XXXX. I have a current XXXX account in my name. 
There is no payment history on this account, you send me bills from XXXX, but this account also says it was opened in XX/XX/XXXX and has different last active dates from both XXXX and TransUnion. 
Please remove this account for the continued mistakes and lack of validation. XXXX has already removed this account.

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 2024-05-21 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: TN

Complaint narrative:
According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-21 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:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: CA

Complaint narrative:
I am not aware of what this debt is, how it was generated/incurred, and what steps were taken to notify me of this debt prior to filing a collection against my credit file. 

I have not received any emails, letters, or phone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: VA

Complaint narrative:
I am writing to follow up on a dispute I submitted on [ date you submitted the initial dispute ] concerning incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. It has been over [ number of days since the dispute was submitted ] days since I first submitted my dispute, and I have yet to receive a response or resolution.Enclosed are copies of the original dispute letter, the credit report with the disputed items highlighted, and any supporting documentation I previously provided. 

I kindly request that you re-investigate this matter and correct the inaccurate information on my credit report. If you need additional information from me to facilitate the re-investigation, please let me know promptly. 

Please confirm receipt of this letter and provide me with a status update on my dispute. I would appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely,

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 2024-05-21 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: VA

Complaint narrative:
I am writing to follow up on a dispute I submitted on [ date you submitted the initial dispute ] concerning incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. It has been over [ number of days since the dispute was submitted ] days since I first submitted my dispute, and I have yet to receive a response or resolution.Enclosed are copies of the original dispute letter, the credit report with the disputed items highlighted, and any supporting documentation I previously provided. 

I kindly request that you re-investigate this matter and correct the inaccurate information on my credit report. If you need additional information from me to facilitate the re-investigation, please let me know promptly. 

Please confirm receipt of this letter and provide me with a status update on my dispute. I would appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-21 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-05-21 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-05-21 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: FL

Complaint narrative:
I am writing to address the inaccuracies in my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This will mark my third attempt to have the following items removed, as I have identified several discrepancies that need to be rectified.

The first issue pertains to three accounts from XXXX XXXX that are inaccurately listed under XXXX account number ( XXXX ). Despite being XXXX auto loans and XXXX credit card, they are erroneously grouped together. Furthermore, these accounts were sold to a collection agency ( XXXX XXXX  ) in XX/XX/XXXX, resulting in different balances being reported. Despite my request for validation of this debt in XX/XX/XXXX, I have yet to receive any response or validation from XXXX XXXX. 

In addition to the aforementioned discrepancies, I also want to address the 18 inquiries on my credit report that were erroneously placed without my consent. Despite explicitly requesting that my credit not be pulled, a car dealership initiated these inquiries after I provided them with my credit report. The dealership subsequently acknowledged their error and sent letters to the credit bureaus requesting the removal of these inquiries. I have enclosed copies of these letters for your reference.

I am attaching copies of my Driver 's License, Social Security Card, the letters sent to XXXX XXXX and the credit bureaus, as well as my formal last letter detailing the discrepancies on my report and referencing the applicable laws.

I urge you to investigate these discrepancies promptly and take the necessary actions to ensure the accuracy and integrity of my credit report. Your cooperation in resolving these matters is greatly appreciated. 

Thank you for your attention to this important issue. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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 writing to address the inaccuracies in my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This will mark my third attempt to have the following items removed, as I have identified several discrepancies that need to be rectified.

The first issue pertains to three accounts from XXXX XXXX that are inaccurately listed under one account number ( XXXX ). Despite being two auto loans and one credit card, they are erroneously grouped together. Furthermore, these accounts were sold to a collection agency ( XXXX XXXX  ) in XX/XX/XXXX, resulting in different balances being reported. Despite my request for validation of this debt in XX/XX/XXXX, I have yet to receive any response or validation from XXXX XXXX. 

In addition to the aforementioned discrepancies, I also want to address the 18 inquiries on my credit report that were erroneously placed without my consent. Despite explicitly requesting that my credit not be pulled, a car dealership initiated these inquiries after I provided them with my credit report. The dealership subsequently acknowledged their error and sent letters to the credit bureaus requesting the removal of these inquiries. I have enclosed copies of these letters for your reference.

I am attaching copies of my Driver 's License, Social Security Card, the letters sent to XXXX XXXX  and the credit bureaus, as well as my formal last letter detailing the discrepancies on my report and referencing the applicable laws. 

I urge you to investigate these discrepancies promptly and take the necessary actions to ensure the accuracy and integrity of my credit report. Your cooperation in resolving these matters is greatly appreciated. 

Thank you for your attention to this important issue. I look forward to your prompt response.

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 2024-05-21 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
The first situation was on XX/XX/XXXX I tried to withdraw money from the ATM located at the XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX using my XXXX XXXX XXXX. Tried to get {$500.00} but the ATM froze. It made a sound like it was about to dispense the cash but nothing came out. Went into the Bank and talked to the XXXX showed my transaction cancelled receipt to XXXX XXXX who said that he needed to audit the ATM. Next day called me saying that in fact there was money at the bottom drawer of the ATM but he needed to double check. Went to the Bank again and he told me there was nothing wrong and the XXXX didn't showed anything wrong. Asked him about the money at the bottom Drawer and he said " I never said that ''. Told him to please verify the ATM video but he refused. My bank opened an investigation but XXXX XXXX XXXX XXXXXXXX responded that there was no mistake and I actually withdraw the money. Because of this my bank charged me overdraft fees. Again on XX/XX/XXXX around XXXX had the same situation but this time at the XXXX XXXXXXXX XXXX XXXXXXXX XXXX Went into the Bank but they are being evasive and couldn't speak to the XXXX. There is an ongoing investigation with my current bank.

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