vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: MA

Complaint narrative:
Experian 's report contains several inaccuracies, including incorrect and irrelevant addresses as well as misspelled names. Moreover, they have failed to include my current address. Despite my attempts to provide them with updated information, their staff has been unfriendly and unhelpful. They have insisted that the listed names are accurate and relevant to my report. However, I am concerned about my identity being compromised and would like these errors to be corrected.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND UNAUTHORIZED INQUIRIES REPORTING.

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 2024-05-07 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-05-07 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: TX

Complaint narrative:
I am disputing this repossession under the provisions of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681c-2, which states that information regarding a fully paid or settled repossession may not be included in a consumer report unless the consumer has explicitly consented to the inclusion of such information after being informed of their right to refuse consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I am disputing this repossession under the provisions of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681c-2, which states that information regarding a fully paid or settled repossession may not be included in a consumer report unless the consumer has explicitly consented to the inclusion of such information after being informed of their right to refuse consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2024-05-07 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 non-monetary relief
Consumer complaint received 2024-05-07 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: VA

Complaint narrative:
I submitted a letter to 3 major credit bearer and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX Balannce : {$410.00} XXXX XXXX XXXXXXXX Balannce {$390.00} XXXX XXXX Balannce {$0.00} XXXX XXXX Balance {$230.00} XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$870.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$2100.00} 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. With this, I am asking for your assistance to correct these accounts in my credit file 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

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 2024-05-07 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:
I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: RI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : account number In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

This account was charged off on the following date : XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it XXXX  and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SPECIALIZED LOAN SERVICING TRANSFERRED A PHANTOM CLOSED COLLATERAL FILE FROM XXXX XXXX XXXX FOR A DEBT OBLIGATION THAT WAS BY MUTUAL AGREEMENT TERMINATED, AFTER BEING ACCELERATED XX/XX/XXXX. AND BECOMING TIME BARRED AND ALSO XXXX XXXX CLOSED BY SETTLEMENT TERMS AS I HAD PREDATORY LOANS FROM MY FIRST XXXX AND XXXX ELECTED TO CLOSE THAT TO A XXXX BALANCE {$0.00}. 

MORE THAN XXXX YEARS SINCE FIRST DEMAND OF ACCELERATION. 
MORE THAN XXXX  YEARS SINCE LAST PAYMENT OF PRINCIPAL AND OR INTEREST THAT XXXX XXXX. CODE XXXX IS TIME BARRED AND FROM XXXX WAS ALSO XXXX BUT WAS ALREADY PRIOR CLOSED TO XXXX SINCE XXXX XXXX XXXX YEARS, XX/XX/XXXX TO XX/XX/XXXX. REMOVED OFF MY CREDIT. {$0.00} BALANCE. 

NOW IN XX/XX/XXXX XXXX HAD ACCESS TO STALE COLLATERAL FILE AND TRADED MY PERSONAL INFORMATION TO SLS AND THEY STARTED TO CREATE THE FAKE DEBT TO CLAIM IT WAS OWED AND DUE AGAIN. THEN HIRED A NEW SUB OF TRUSTEE TO EXCEED THE CONTRACT PROVISIONS AND EXCEED THE RULE OF LAW AND CREATE A FALSE NOTICE OF DEFAULT AND CHANGED THE DUE DATES THIS WAS TO FALSELY USE MY NAME TO COLLECT ON A XXXX  THAT IS BY LAW EXTINGUISHED AND SATISFIED. THAT SUCH NOW MY IDENTITY IS USED FOR THIS FRAUDULENT REAL PROPERTY THEFT BEING SOUGHT ON XX/XX/XXXX THREATENED TO TAKE OVER MY PROPERTY WHEN THE XXXX IS UNENFORCEABLE.

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 2024-05-07 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: NC

Complaint narrative:
In light of recent developments regarding the accuracy of information in my consumer report provided by Equifax, I am compelled to bring to your attention a matter of significant concern. Despite diligent efforts to ensure the integrity of my financial profile, it has come to my attention that Equifax has included erroneous data attributed to XXXX XXXX, indicating late payments for XXXX and XXXX of XXXX. Upon contacting XXXX XXXX, it was unequivocally confirmed that no such information was reported to Equifax, raising serious questions about the accuracy and reliability of the information contained within my consumer report. 

This blatant discrepancy not only reflects a failure on the part of Equifax to adhere to the fundamental principles outlined in the Fair Credit Reporting Act ( FCRA ) regarding the accuracy of consumer reports but also highlights a concerning lack of due diligence in investigating disputes raised by consumers. As mandated by the FCRA, creditors are obligated to conduct thorough investigations into disputed information, a standard which Equifax appears to have failed to meet in this instance. 

Furthermore, the provision of a credit report by Equifax asserting the validation of the disputed account constitutes a misrepresentation of the facts, compounding the severity of this violation. As a result, I am left with no recourse but to pursue appropriate measures to seek redress for the harm caused by Equifax 's negligent actions. 

In accordance with the FCRA, I hereby demand compensation for the violation of my rights, as well as the imposition of fines commensurate with the dissemination of derogatory and false information within my consumer report. It is imperative that Equifax rectifies this egregious error promptly and takes concrete steps to restore the accuracy and integrity of my financial profile. Failure to do so will necessitate further legal action to ensure accountability and prevent future transgressions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: GA

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

Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXX 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. 

XXXX U.S.C. XXXXXX/XX/XXXXA 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
In brief : I opened the account, transferred XXXX into it, then XXXX locked my account, claimed " can not verify my identity '' when I call to unlock. 

XX/XX/XXXX, open XXXX account and transfer XXXX from XXXX to XXXX. 
XX/XX/XXXX evening, transfer XXXX from XXXX to Marcus. 
XX/XX/XXXX morning, account locked. Tried to call to unlock, Marcus said can not send one-time pin because my number is not under my name ( which is not true ) and refuse. Made some other calls to force close the account, same result. They mentioned they can try with my driver 's license, but I don't have one ; they never ask for driver 's license when opening account. 

It is too ridiculous that they did not mention any problem with my phone or driver 's license when opening the account, but ask for them to verify my identity. There should be many other ways to verify that like using email, address or linked account. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TN

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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